If 10 Minute Mind is not a fit for you and you would like to explore other techniques for cultivating focus, calm, clarity and emotional stability, contact Counseling Services.
UNDERSTANDING YOUR HEALTH INSURANCE
Even if you have health insurance, it can be challenging to understand your coverage and what mental health services it will pay for. Many students end up paying out of pocket for services their insurance actually covers. Below are questions you can ask your insurance company to learn about what mental health services your insurance plan covers.
- Locate your insurance card.
- Call the customer service phone number on the back of the card and navigate through the phone menu in order to speak with an agent. Be prepared to provide information from the front of the card (member ID, group ID, etc.) to the company’s automated phone system and the agent.
- Once you are speaking with a customer service agent, ask the following questions:
Do I have in-network behavioral health care coverage? If yes:
- What is my co-pay for behavioral health visits with in-network providers?
- How many visits are covered, and within what time period?
- Where can I get a list of in-network providers in my area who are accepting new patients at this time?
- Do I need to meet a deductible before this coverage starts and, if so, how close am I to meeting that deductible and when does the count restart?
Do I have any out-of-network coverage for behavioral health visits? If yes:
- What is the amount or percentage that you will cover per visit?
- Is this covered percentage a percentage of the full fee or a percentage of the “fair or reasonable and customary rate”?
- If you cover a percentage of the “fair or reasonable and customary rate,” what is that “fair or reasonable and customary rate” for the area where I want treatment?
- Do I have to meet a special deductible for out-of-network coverage and, if so, how close am I to meeting it and when does the count restart?