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CMT is considered Out-of network with insurance panels


Q: What does  out-of network mean?

A: You may have “out of network,” (OON) benefits for mental health services. Out of network benefits allow you to pay for therapy at the time of service and be partially or completely reimbursed by your insurance provider.  I can provide you with a monthly statement (called a Superbill), which you may then submit to your insurance provider for reimbursement. 

Q: How would I know if i have OON benefits?

A: To find out what is covered by your insurance company and reimbursement, call the customer member/service number on the back of your insurance card. Here are the following questions to ask:

  •  Do I have out of network benefits with outpatient mental health?

  •  If outpatient mental health is covered, what are my deductibles and have I met my deductibles?

  •    Are there any limitations with outpatient mental health benefits?

  •   Do I require a special referral for reimbursement?

  •   How do I submit my receipt and how long does it take to be reimbursed

Q: I have a Health spending Account, am I able to use it for payment?

A: Yes! HSA/FSA are both acceptable forms of payments for therapy services.

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