Questions to keep in mind when learning about your insurance benefits

Before locking down on an insurance plan, make sure you are asking yourself these questions:

• Does my insurance company cover mental health care services?
• Will I need a referral from my primary care physician to get insurance to cover my treatment?
• Do I need a precertification from my insurance company to receive mental health care? 
• How many sessions per year does my health insurance cover? 
• What is the coverage amount per therapy session? 
• Will I have a deductible, copay or coinsurance?
• Will I need renewed approval for each session? 
• Does my insurance cover out-of-network providers? 
• How can I access in-network providers in my location? 
• Does the percentage paid by my insurance company vary in-network vs. out-of-network? 
• Is there a list of diagnoses covered by my insurance? 
• Is there a difference in my benefits for inpatient vs. outpatient treatment? 
• How many days can I stay if I am to be hospitalized or receiving inpatient care? 
• What prescription benefits am I offered? 
• Are there copays for medication? 
• Are there different levels of prescription coverage depending on specific medication? 

If you have any immediate questions similar to this, please feel free to reach out to our Support Team at support@miresource.com or speak with your provider. 

Updated on: 07/10/2025