Verify Your Insurance Benefits

How to Verify Your Mental Health Benefits

Understanding your insurance coverage before your first appointment prevents surprise bills and helps you plan. DLH Consulting cannot verify benefits on your behalf — insurers will only release detailed benefit information to the policyholder. Here is exactly how to find out what you will owe.

Step 1: Find Your Member Services Number

Look on the back of your insurance card. Most cards have a general Member Services number and, for many plans, a separate Behavioral Health number. Always call the behavioral health number when it exists — mental health benefits are frequently administered by a separate company (Optum, Carelon) even when your card says United Healthcare or Anthem.

Step 2: Ask These Six Questions

1. Is DLH Consulting & Psychiatric Services in-network for outpatient behavioral health?
2. What is my copay for an outpatient psychiatric visit (CPT 90792 for evaluation, 99213/99214 for medication management)?
3. Do I have a deductible that applies to behavioral health, and how much of it have I met this year?
4. Do I need a referral or prior authorization to see a psychiatric provider?
5. Is telehealth covered at the same rate as an in-person visit?
6. Are there any visit limits per calendar year?

Step 3: Understand the Terms

Copay — a flat amount you pay per visit (e.g., $30). Usually applies immediately.

Deductible — the amount you pay out of pocket before insurance starts covering. If your plan has a $2,000 deductible you have not met, you may pay the full contracted rate until you reach it.

Coinsurance — a percentage you pay after the deductible (e.g., 20%).

Out-of-pocket maximum — once you hit this, covered services are paid at 100% for the rest of the plan year.

Member Services Numbers for Plans We Accept

View all 15 accepted plans and self-pay rates →