Using Your Insurance for Therapy
How Much Does Therapy Cost? Questions to Ask Your Insurance Before Your First Session
One of the first questions people have when starting therapy is simple: How much is this going to cost? Whether you plan to use in-network benefits or see an out-of-network therapist, a quick call to your insurance company can save you from unexpected bills. Here's exactly what to ask.
First: Find a Few Therapists You're Interested In
Before calling your insurance, browse therapist directories like PsychologyToday.com or ZocDoc.com. You can filter by insurance, location, and specialty. Jot down the names and credentials of two or three therapists you're considering, you’ll need them for your call.
Next: Call the Member Services Number on Your Insurance Card
Flip over your insurance card and call the Member Services number. When you reach a representative, work through the questions below.
General Coverage Questions
"Do I have mental health or behavioral health coverage?"
"Is [therapist name and credential] in-network with my plan?"
"Do I have out-of-network benefits?"
If You're Using In-Network Benefits
"What is my copay for therapy sessions?"
"Do I have a deductible? If so, what is it, and how much have I met so far?"
If You're Using Out-of-Network Benefits
"What percentage of the session fee will I be reimbursed if I see an out-of-network therapist?"
"Do I have a separate out-of-network deductible? If so, what is it?"
Services Covered & Authorization
"Can you confirm whether the following services are covered under my plan?"
Family therapy (this is also couples therapy)
Group therapy
"Do I need a prior authorization to receive any of these services?"
If yes: "What is my authorization number, and how many sessions are authorized?"
Why This Matters
These questions give you a clear picture of your costs before your first appointment with no surprise bills, no confusion. Understanding your benefits upfront means you can focus on finding the right therapist rather than worrying about the financial side.
Ready to take the next step? Reach out to schedule a free consultation.
