Top Tips: How to avoid coverage denial and any unseen costs
Make sure your insurance allows you to find a mental specialist directly. If they require your primary doctor to refer a specialist to you, make sure you go this route. The insurance company could deny you coverage if you don’t use a referral.
Check if your mental health specialist is in or out of your insurance network. This will affect your bill. Your specialist can help verify this prior to your first appointment.
Some plans actually limit the number of specialist appointments covered per year. Make sure you get these numbers directly from your insurance provider. For example, if your plan only covers 25 therapy sessions, you don’t want to get to your 26th therapy appointment and hit with a full-cost bill.
Unfortunately some insurance won’t cover certain pre-existing diagnosis. Check that your situation is fully covered,
Always know the full cost of your medication and what is covered. If you start a new medication near the end of the year and you have reached your deductible, you may think the medication is free. However, once January 1st hits, you don’t want to be shocked when you refill the prescription and have to pay hundreds of dollars.