New England Counseling and Consulting

Serving Teens and Adults in CT and MA

Navigating Insurance & Mental Health Benefits

The healthcare system isn't easy to navigate, and it can be even more overwhelming when you're struggling with anxiety or depression. Here are the questions to ask you insurance company to get all the information you need to understand your in network and out of network benefits for mental health counseling.


Liz Clarkin, LICSW

6/27/20241 min read

a person writing on a piece of paper with a pen
a person writing on a piece of paper with a pen

The specific details of your health insurance plan you should know include, but are not limited to, the issues covered below:

Note: These items are listed in question form so you know what questions to ask if you need to call your health insurance customer support (on the back of your insurance card) for information.

  • Do I have a deductible?

  • What is my deductible (dollar amount)?

  • What is my coinsurance for behavioral health (psychotherapy) BEFORE I meet my deductible? (percentage of the cost of each session I am responsible for paying until I meet my deductible)

  • What is my coinsurance for behavioral health (psychotherapy) AFTER my deductible is met?

  • How do my in-network benefits differ from my out-of-network benefits?

  • On what date does my deductible reset?

  • Do I have a copay?

  • What is my copay for behavioral health (psychotherapy)?

  • Is my insurance plan active?

  • Did my insurance plan change?

Questions to Ask

Understanding Your Benefits

Navigating the complexities of health insurance can be overwhelming, especially when it comes to understanding what is covered for mental health therapy. It's important to feel empowered to ask the right questions and gather the necessary information to make an informed decision about your care. Knowing the details of your insurance plan will not only help you avoid unexpected costs but also ensure you can access the support you need.

Understanding your insurance benefits is crucial to accessing and affording the mental health care you deserve. Don't hesitate to contact your insurance provider with these questions to clarify your coverage. By taking these steps, you are advocating for your health and well-being, ensuring that you can receive the necessary support without unnecessary financial stress. Remember, knowledge is power—empower yourself with the right information to make the best decisions for your mental health.

Topics covered: mental health insurance coverage, psychotherapy insurance benefits, health insurance deductible, copay for therapy sessions, behavioral health coinsurance, insurance plan details, understanding insurance for therapy, insurance coverage for mental health, health insurance questions to ask, coping with insurance costs for therapy