Mental Health Resources

Understanding Your Insurance

Insurance can be confusing. Here are some key terms explained:

Copay

A fixed amount you pay for each appointment, such as $30 per visit.

Deductible

The amount you pay out-of-pocket before your insurance starts covering services. Once you meet your deductible, your insurance kicks in.

Coinsurance

After you’ve met your deductible, you might pay a percentage of the cost, such as 20%, while insurance pays 80%.

Out-of-Pocket Maximum

The most you’ll pay in a year. Once you hit this amount, insurance covers 100% of covered services.

In-Network vs Out-of-Network

In-network providers have negotiated rates with your insurance, which usually means lower costs for you. Out-of-network providers may cost more, but you might still get partial reimbursement.