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Questions for Verification of Benefits (VOB)
Depending on your current health insurance benefits, it is possible for services to be covered in full or in part. Please contact your insurance provider to verify how your plan compensates you for outpatient mental health services. As a courtesy, we may be able verify provider in-network status and obtain your outpatient mental health benefits to pass this information along to you. The information provided as a courtesy is not a guarantee for services covered. We suggest contacting your insurance carrier directly as we are a go-between. If we are an in-network provider for your specific insurance, this does not guarantee coverage of services provided, as your specific insurance plan may have restrictions to what is covered.
Out of Network
Contact your insurance provider to find out what your “out of network” insurance benefits are for outpatient mental health if this provider is not in-network with your specific insurance to determine benefits and reimbursement rates. Our office will provide a statement called a “superbill” that you may submit to your insurance company for reimbursement, depending on your specific insurance benefits.
Relationships and Insurance
Some insurance companies cover partner therapy and some do not. Contact your insurance provider to find out if your insurance provider covers “couples” or “marital therapy” or if this is an exclusion from your insurance benefits. Partners who go to therapy typically want to address the “relationship” as the client. This is a crucial distinction because each person gets access to the medical record since it pertains to each person. Insurance benefits that cover only individual work mean that only one person, the “identified patient,” gets access to the medical record, even if you bring your partner/spouse into session. Further limitations working with partners using insurance are that one partner will be required to be the “identified client” and need a diagnosis, and the provider is limited to 50-60 minute sessions, which may not be adequate time to address relational concerns. 80-90 minute sessions are suggested for partner work to provide more thorough services.
Questions for your insurance provider to help determine your benefits:
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- Does my health insurance plan include outpatient mental health benefits?
- Do I have a deductible? If so, what is it, and have I met it yet?
- Do I have a copay or coinsurance amount due each session? If so, what is it?
- Do I have an out-of-pocket max? If so, what is it, and have I met it yet?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician or prior authorization in order for services to be covered?
- Is Rinker Therapy and Wellness PLLC an in-network provider with my specific insurance?
- What are my “out of network” provider insurance benefits for outpatient mental health? If Rinker Therapy and Wellness PLLC is not an in-network provider for your specific insurance.
- Does my health insurance benefit plan cover couples/marital therapy to address our relationship health?
