Questions for Insurers

What you need to ask your insurance provider

The following is a list of questions that we encourage you to ask your health insurance provider so that you are aware of your coverage before starting treatment with Fraser.

  1. Does your company manage my family’s mental health benefits or is another company subcontracted to do so?
  2. Are any of the following covered by my plan?
    • Mental Health benefits
    • Occupational Therapy benefits
    • Speech Therapy benefits
    • Physical Therapy benefits
  3. Do I have a visit limit each calendar year?
  4. Do I have a deductible?
    • What is it?
  5. Do I have a co-pay?
    • What is it?
  6. Do I have any coinsurance?
    • What is it?
  7. Do I need a referral from my primary care physician to see a mental health professional?
  8. Do I need pre-approval from my insurance carrier before seeing a mental health professional?
  9. Are services covered for providers who are out of network?
    • If services are covered for providers who are out of network, are those services covered differently than services provided by in-network providers?

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