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Questions To Ask Your Insurance Company
Questions To Ask Your Insurance Company
Check your wallet card for your group policy number and personal identification number.
Questions you may wish to ask include:
- Does my insurance plan cover psychological services provided by a registered psychologist?
- Do I need a referral from a physician to qualify for coverage?
- What percentage of the fee does the insurer cover?
- Have I already used up my coverage for this year? When does my coverage renew?
- Can I spread out the costs of psychological services over two years? For example, by having sessions in December of one year, and more sessions in the following January?
- Do I have hourly coverage or lump sum coverage? (for example, if I see the psychologist for a full day assessment will my plan cover the multiple hours spent with the psychologist [lump sum] or will my coverage only pay for one hour at a time with the psychologist even though there were 6 hours of service that day [hourly coverage]?) Does my insurance cover only one to one direct service, or are other psychological services such as report writing covered?
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