📞 Sample Script:
Calling Your Insurance About Out-of-Network Therapy Benefits
Navigating Insurance can be tricky, use the sample script below of helpful questions to ask your insurance company about your benefits.
“Hi, I’m calling to understand my out-of-network benefits for mental health therapy services. I’d appreciate help with a few questions:”
Does my plan include out-of-network benefits for behavioral health or mental health services?
What is my out-of-network deductible, and how much have I met so far this year?
What percentage of out-of-network therapy sessions is reimbursed once I meet the deductible?
Do I need to submit anything to get those sessions to count toward my deductible?
Can I submit a superbill from my therapist for this?
What’s the best way to submit superbills (email, online portal, mail)?
How long does it take to process a reimbursement?
“Thanks so much for your help. Could you email me the answers or help me find this info in my insurance portal for future reference?”
