Health Insurance
Insurance coverage can be confusing.
We can help you understand your coverage and will assist you in obtaining insurance authorization for treatment. North Shore Counseling Solutions is an active participant with many health insurance panels. We are also able to obtain authorizations from non-participating insurance panels on a case-by-case basis. We are always available to speak with your insurance provider.
Frequently Asked Questions
Does my health insurance cover therapy services?
Most health insurance polices cover mental health services under guidelines that refer to “medically necessary” services. This means coverage for in-office and virtual appointments for diagnosable mental health concerns. Coverage can vary according to your policy. Also, a managed care company that specializes in mental health benefits may provide the benefit. If your insurance has a carve out plan for mental health treatment you must check to find out who provides your mental health coverage and what the benefits are.
How do I find out about my mental health insurance coverage?
There is usually a toll free number on the back of your insurance card. Call and obtain the information about your mental health benefit. Ask questions about coverage for outpatient/office services, whom he can see for treatment, co-pays and how many session you are initially allowed. It is important to understand your mental health benefit.
Does my insurance allow me to see any therapist I choose?
Most plans significantly limit your selection of mental health providers. You must make sure the person you have chosen to see is definitely covered by your plan. Some plans will allow you to choose any provider, but there is a higher copay. At North Shore Counseling Solutions we accept most insurances.
Do I need pre-authoizaton to receive therapy?
Many insurance plans require pre-authorization. You can obtain information about pre-authorization by calling the toll free number that is usually found on the back of your insurance card. Some plans allow for unlimited treatment and some limit the number of sessions. Once pre-authorization has been obtained you are ready for therapy.
Some of the insurance plans accepted at NSCS are: Aetna, Beacon Health Strategies, Blue Cross Blue Shield, BMC Health Net, Cenpatico, Cigna, Fallon, MBHP, Neighborhood Health Plan, Network Health, Tufts, United Behavioral Health Plan.
What if my health insurance plan is not listed above?
Please contact us. There is a process to obtain pre-authorization for therapy. The process includes our obtaining information about your plan and our contacting your insurance provider. It is important to know that not all providers will allow for therapy with non-participant treaters.