How does insurance work?

    If you want to check with your insurance carrier before completing a form or calling to schedule an appointment, here are some questions to ask when you call the number on the back of your insurance card:

• Do I have mental health benefits?
• What is included in my mental health benefits?
• Do I have a deductible and has it been met?
• How many therapy sessions does my plan cover per calendar year?
• Is a primary care physician referral required for me to go to therapy?
• What are my co-pays for therapy?

If insurance is confusing for you, like most people, at MySpectrum we can help you figure out your benefits by having your insurance information.