Questions to Ask Your Insurance Company
This information is provided as a service to assist you in working with your insurance company for reimbursement. It should help to expedite reimbursement for services.
- Locate your insurance company’s phone number — it is available on their website or on the back of your insurance card.
- Call and ask them to explain benefits that you have for:
• Individual Psychotherapy
• Group Psychotherapy
• Psychological Testing & Neuropsychological Testing
- Inform them of the following:
• You will be paying the fee for services provided at the time of service.
• You will receive a form from Dr. Pazol containing the information necessary for the insurance company to reimburse you directly for whatever portion they cover for an "out of network provider”.
• The insurance company will not be reimbursing Dr. Pazol, they will be reimbursing you
- Ask what their policy is regarding this method of reimbursement.
- Ask if you have to meet any deductible. If so, how much is it per calendar year?
- Ask what percentage of the fee your insurance pays per hour of Individual Psychotherapy, Group Psychotherapy and/or Psychological Testing & Neuropsychological Testing.
- Ask if there is a limit on the number of hours of Individual Psychotherapy and Group Psychotherapy permitted by your policy.
- Ask if there is a limit on the number of hours of Psychological Testing or Neuropsychological Testing permitted by your policy.
- Ask if there is a limit per year for your benefits and, if so, what are the limits?
- Ask if they will reimburse for Psychological or Neuropsychological Testing performed by a technician.
- Ask if you need to have your Individual Psychotherapy, Group Psychotherapy, Psychological Testing and/or Neuropsychological Testing services pre-certified. If so, by whom?
- Ask if your insurance company has a list of providers that you must see?
- Ask them to explain your options for seeing a provider not on their list (for example, an out-of-network provider)?
- Ask how much they will reimburse you if you see a provider who is “out of network”.
A print-ready PDF of these helpful questions is available for download on the Forms page.