All insurances are different, so you will need to contact your insurance provider and ask if you have out-of-network mental health benefits and what they include. Some questions to ask are:

• • ‘What would I have to submit to use my out-of-network mental health benefits?’
  • ‘Can I use funds from my health savings account (HSA)/flexible spending account (FSA)/health reimbursement account (HRA) to cover mental health services if my provider is out of network?’