What is the best health insurance that covers out of network psychotherapy?
Jan 07, 2012 in
Health Questions
I have a choice of GHI HMO, Aetna HMO, Cigna, HIP. I want to go out of network. Does anyone have any experience? I am sick of how insurance companies hide this information.
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One comment
molly on January 7, 2012 at 7:35 pm
You most certainly do not want to go with an HMO. They do not allow you to go out of network and pay for it. PPO at least allows you a broader spectrum of DR’s and will pay some on the out of network. Usually all of these policies come with an additional and optional psychotherapy plan to go with it, like Value options mental health.
There are companies out there that offer these additional insurances out there, but you will have to weigh the cost vs the health visit.
Just make sure you are clear on deductibles, out of pocket maximum and what percentage you pay for both in network and out of network.
Good luck
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