"Do I have out-of-network (OON) coverage for behavioral health services?"

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"How much will you cover for therapy sessions?" (Usually around 50-80%)

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"What is my deductible that I must meet before you will begin sending reimbursements to me?"

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"Can I use these benefits for telehealth services?"

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"Do I need to be referred by an in-network provider, such as my PCP, in order to see my OON therapist?"

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"How do I submit claim forms for reimbursement?"

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"Is there anything I can do if my claim is denied?"