I’m 16 years old and trying to get a therapist. My mom told be I need to make sure they’re covered by my health insurance. I haven’t had any luck finding a therapist that is covered by my insurance. I called one that wasn’t covered to see if they could help me out, and they told me about reimbursement, I can call my insurance and see if they can reimburse me for services by Out of Network providers. I don’t understand what any of this means, somebody please help
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So usually when your service provider is “covered” by your insurance or “in-network” the provider can just charge your insurance directly so you don’t need to pay anything directly.
However, in order to be “trusted” by your insurance there’s a whole lot of vetting and blah blah, hence the “network” – they’ve already vetted each other and have agreements.
Reimbursement just means that you have to pay out of pocket first but your insurance will pay you back once they have ensured that Dr. Therapist is indeed a licensed therapist and not a proxy for you using the money to buy Magic The Gathering cards or xbox live credits or whatever. i.e. they pay you back once they determine the service provided was legit. But it depends, you have to ensure that your insurance will reimburse you first, otherwise you’ll pay out of pocket then not get your money back.
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