In network means your therapist has an agreement with your insurer. You usually pay a copay or coinsurance, and we bill the rest.
Out of network means you pay the session fee and send a superbill to your insurer. Depending on your plan, you may get part of it back.
Before you start, call the number on your insurance card and ask about outpatient mental health benefits, your deductible and whether you need prior authorization.
This article is general information, not medical advice. If you’re in crisis, call or text 988.
Written by
Daniel Reyes
Licensed Clinical Social Worker
Daniel works with adults after loss, trauma and long stretches of depression, in English and Spanish.
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