Checking a client's insurance benefits before their first session is one of the easiest ways to avoid billing problems later. Here's what to confirm.
Active coverage: Is the plan active on the session date?
Network status: Are you in-network with this plan?
Mental health benefits: What are the deductible, copay or coinsurance?
Limits: Is there a cap on the number of sessions?
Authorization: Does the plan require prior authorization?
Telehealth: Are virtual sessions covered the same way?
Why it matters: Clients know what they'll owe from the start, you avoid denied claims, and nobody gets a surprise bill months later.
When to check again: Plans often change in January or when a client changes jobs. Recheck benefits whenever a client's insurance changes.
I verify benefits for every new client I bill for, so you can start sessions with confidence. Questions? Get in touch through my contact form.
This post is general information. Benefits vary by plan.
