Guidelines for Checking Insurance Benefits

  1. Call the Mental Health Number on the back of your insurance card.
  2. Ask if you have out-of-network mental health benefits.
  3. If no, end the call.
  4. If yes, ask if you have coverage for the CPT codes that may apply to you (see below).
  5. If you indeed have coverage, find out if you need pre-certification and how it is obtained.
  6. Call or email your provider with information about pre-certification documents, if necessary.
  7. If you need further assistance, call our office at 443-906-1132

Other important questions for your insurance provider:

  • What is my deductible and has it been met?
  • How many sessions per calendar year does my plan cover?
  • What is the coverage amount for an out-of-network therapy session?
  • What documentation/information is required to submit for insurance reimbursement?
  • Are telehealth sessions covered?

Possible CPT codes for therapy clients: 

  • 90791     Initial evaluation session/consultation
  • 90837     Psychotherapy sessions
  • 90846     Family therapy without patient present
  • 90847     Family therapy with patient present

Possible CPT codes for evaluation/testing clients:

  • 96101     Psychological testing
  • 96103     Psychological testing with computer
  • 90846     Family therapy without patient present (feedback sessions)

A note about Telehealth sessions:

Per the Maryland Health Care Commission: "Private Payors are required to cover telehealth services that otherwise are covered via face-to-face.  The law is Maryland Insurance Code §15-139.  It is best to reach out to the individual payor to determine their policy around telehealth reimbursement and billing procedures.  CareFirst's policies is available by searching their Medical Policies on their page."