1) Do I have outpatient mental health/substance abuse counseling benefits on my policy?

2) Do I need precertification before accessing my outpatient benefits?

3) Must I seek a referral from a primary care physician before accessing my outpatient benefits?

4) How many visits are available per calendar year, and when does the calendar year start?

5) What is the annual deductible I must pay per child or per family before my benefits will apply?

6) What is the percentage of service fees my policy will cover after my deductible is paid?

7) What is the maximum dollar limit for my benefits (per year and per lifetime)?

8) What are my benefits if I wish to choose an out-of-network provider?

9) What qualifications must an out-of-network provider possess in order to be eligible for reimbursement?

10) Should I pay the whole bill for services and then submit a claim for reimbursement, or should I pay only my percentage and have my provider bill you for reimbursement? Using what form?

11) Are there any exclusionary clauses in my benefits plan (re: diagnosis and treatment types)?

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