Start the Year Confidently: Navigating Insurance Changes

By Kaitlyn Lewis, LPC

The start of a new year is a perfect time to focus on your mental health. It is also a time when insurance plans often change, deductibles reset, and coverage details can feel confusing. You do not have to figure it out alone. Our team is here to guide you and help you make the most of your benefits so you can focus on what matters most, your well-being.

Many insurance plans reset deductibles in January. This can affect your out-of-pocket costs and the number of therapy sessions your plan will cover. By reviewing your plan now, you can plan your sessions strategically and avoid surprises later.

Best Next Steps

1. Check Your Coverage: Review your plan for mental health benefits, co-pays, session limits, and deductible details.

2. Confirm Your Provider Network: Make sure your therapist is still in-network. If not, ask about partial coverage or reimbursement options.

3. Explore Out-of-Network Benefits: Even if your provider is not in-network, your plan may offer partial coverage or reimbursement. Out-of-network benefits are worth exploring, and our team is happy to help you understand your options and guide you through the process.

4. Reach Out to Our Team: We can help you understand your plan, answer questions, and guide you on how to maximize your benefits.

5. Plan Your Sessions: Consider scheduling sessions now, especially if your deductible is resetting, to ensure consistent care and progress.

6. Stay Informed: Keep track of your coverage updates, progress toward deductible, and any questions that come up so you can advocate for your care throughout the year.
   

Starting the year informed about your insurance can reduce stress and help you focus on what matters most, your mental health. Our team is happy to review your individual plan, walk you through coverage details, and help you plan your sessions so you feel supported and confident. We are here to help you navigate your plan, explore your options, and start the year with clarity, peace of mind, and continued care.