Step 1. Find Your Insurance Card

If you do not have your card at JMU, ask your parent or guardian to text you a photo of the front and back of the card.

Step 2. Call Your Insurance Company

Call the number on your card for mental health services. The phone number is likely on the back of your card and may be listed under ‘behavioral health services’. 

Step 3. Get Information about Your Benefits

After dialing the mental health services phone number, you will speak with a representative from your insurance company. They will ask you to verify some information to ensure that you are the individual covered by the insurance plan. When they ask why you are calling you can say, “I want to find out what my benefits will cover for outpatient counseling.”

  • Some insurance plans require a payment for each visit you make to a provider. Ask how much you will pay per session; this is called a ‘co-pay’.
  • Some insurance plans have an amount that you have to pay out of your pocket first; this is called a “deductible.” Once you pay that amount your insurance company will cover part or all of your visit depending on your coverage. 
Step 4. Find In-Network Providers

Ask your insurance company for assistance with finding a mental health provider.

  • If you are looking for someone to talk with, ask for a list of in-network clinicians (Counselors and/or Psychologists).
  • If you are looking for someone who can prescribe medication, ask for a list of in-network Psychiatrists or PCPs.
Step 5. Call Providers

Start by calling one or two of the providers on the list you were given by your insurance company. You may need to call more than one, if the first provider doesn’t return your call within 24-48 hours. If you need a clinician and a Psychiatrist, you will need to call people from both lists.

  • Providers almost never pick up the phone due to being in session during the day. You will need to leave a message with your name, phone number, and a good time to reach you.
  • Be sure to speak clearly and slowly in the message and say your phone number twice.
  • When you leave a message or talk to the provider, ask if they are accepting new clients, tell them what kind of insurance you have, and say something about what has been bothering you that has led you to call them.
  • Make sure that your voicemail is set-up and able to accept new messages. If a provider is not able to leave a message, you may not know they called. Most providers won’t email or text to set-up an initial appointment, so talking to them on the phone is necessary.
Insurance FAQ's

Visit our Insurance FAQs page to learn more about insurance coverage.

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