Quote:
Originally Posted by LonesomeTonight
Not sure about your insurance plan, but do they offer out-of-network benefits? My T, MC, and p-doc aren't in any network, but we get reimbursed 60% by our insurance (have good plan from H's employer). I'm lucky in that they file the paperwork for it--I get the sense many places will give you what you need to submit, but you have to send it to the insurance company yourself. I think with Obamacare, plans have to provide the same level of coverage for mental health as, uh, regular health. So you should still get reimbursement for out of network on some level.
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Sadly, it depends on your location and your insurance plan as to whether you'll get any out-of-network coverage. There are some areas where none of the plans on the individual marketplace offer any out of network coverage- for either physical or mental health.
My therapist doesn't take insurance and I have no out-of-network coverage. It's expensive!