Common Insurance Situations
Practical guidance for navigating the most common insurance challenges our clients face during therapy.
Even with a solid understanding of how insurance works, specific situations can feel overwhelming. These guides walk you through common scenarios step-by-step—what's happening, why it's happening, what your rights are, and what you can do.
Each guide includes practical strategies, real-world examples, and specific action steps you can take.
Medical Necessity Reviews
Understanding what happens when your insurance reviews your therapy, how to navigate the process, and what to do if coverage is denied.
Session Limits
What to do when you approach or hit your therapy session limit, your parity rights, and how to request more sessions.
Deductible Reset
Planning for your annual deductible reset, understanding how it affects therapy costs, and strategies to manage January expenses.
When to Use These Guides
Medical Necessity Reviews
Use this guide if your insurance is reviewing whether your therapy is "medically necessary," you've received a request for treatment documentation, or your coverage has been denied for lack of medical necessity.
Session Limits
Use this guide if your insurance has told you there's a limit on how many therapy sessions you can have, you're approaching that limit, or you need more sessions than your plan initially approved.
Deductible Reset
Use this guide in October-December to prepare for your annual deductible reset, or in January-March if you're experiencing higher therapy costs after your plan year started.
Additional Resources
For foundational insurance concepts and general guidance:
- Insurance Education Guide – Basics, terminology, plan types, and mental health coverage
- Verify Your Benefits – Step-by-step guide to checking your coverage
- Accepted Insurance Plans – See which plans we work with