The truth is, people need to be savvy in knowing how to get reimbursed for their mental health care. They need to know that a large percentage of out-of-network fees they pay to psychotherapists must, by law, be reimbursed by the consumer’s health insurance company. While some states legislate a specific time period health insurance companies have to reimburse the consumer, Maryland and Washington DC do not set a time period for reimbursement.
Health insurance companies often reimburse consumers with what they call the “allowable.” The “allowable” does not apply to out-of-network providers. The health insurance company must reimburse the consumer a percentage of what they have paid out of pocket.