QUESTIONS TO ASK YOUR INSURANCE PRIOR TO STARTING THERAPY

• Is InPowered Therapy (NPI # 1801330048) in-network?

  • Specify IN or OUT of network for all of the following based on this.

• How does my plan cover “outpatient behavioral health,” otherwise known as therapy services (CPT Codes 90834 and 90837)?

• Does my plan require pre-authorization for outpatient mental health services?

• Do I have a deductible or a copay?

• If I have deductible, how much is it? 

• How much is my co-insurance following meeting my deductible? 

• What is my out of pocket max?

• Is my plan fully funded FF (claims paid by the insurer) or self funded SF (claims paid by your company)?

• If your plan is FF your plan falls under IL legislation requirements and thus can not deny or restrict access to Telehealth through platform restrictions.

• If your plan is SF your company is allowed to decide how they cover Telehealth and thus can deny it altogether or limit it to particular platforms that we are not part of. (Follow up with following questions related to Telehealth coverage) 

  • Does my plan allow for Telehealth?

  • Does my plan pay for this service the same as in person services?  

  • Are there restrictions on the platform my therapist uses to offer Telehealth?