You can call your insurance company directly and ask them if they cover behavioral mental health services. The phone number is generally on the back of your insurance card, and is often listed as “member services” or “customer service.”

Therapy services might be covered in full or in part (such as a copay or coinsurance). Please be sure to check the coverage for your plan by asking the following questions:

• Do I have mental health insurance benefits?

• What is my copay or coinsurance?

• Is mental health coverage subject to deductible?

• What is my deductible, and has it been met?

• How many sessions per year does my health insurance cover?

• Is pre-approval required from my primary care physician?