Questions for Your Insurance Company

Do I have an HMO or PPO Plan? (one that allows me to choose the provider I see?)
What is my Deductible? How much has been met? Ask them to explain how your Deductible works.
What is my coverage for Outpatient, Out of Network Psychotherapy? Depending on your specific plan, after meeting your deductible, insurance companies will typically reimburse between 50%-90% (ask your representative for the specific amount your policy allows.)
Are there any restrictions, do I require authorization or a referral, or is there anything else that may be required to be reimbursed? (Is there a limit in the # of sessions I am allocated per year? Does my therapist need to submit a form or treatment plan? If so, please inquire as to how this may be obtained.
ALWAYS get the name of the individual who quoted you benefits & a reference #, if applicable.