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How To Get Reimbursed For Counseling Sessions Through Insurance

As part of AGWM, your health insurance will cover 80% of your counseling cost for an unlimited number of sessions. Depending on which counselor you work with your out of pocket cost will range between $22-$39 per session, plus your co-pay.

There are two ways you can get reimbursed through insurance for your counseling sessions:

OPTION 1: SELF SUBMIT FOR INSURANCE REIMBURSEMENT
• Both MAs and appointed personnel now have counseling coverage with their insurance. The following are some FAQs that should help as you or a family member receives counseling.
• Counseling coverage is subject to the appropriate copay and deductible guideline per your insurance plan. If you have doubts about that amount, please contact Lori Spence at lspence@ag.org.
• MKs are covered under their parent’s plan until age 26.
• Given that MCO clinicians are generally licensed (LPC, Psy.D., MFT, and LSW) your sessions should all be covered. The receipt you receive from MCO serves as a superbill. You will need to ask your counselor for an appropriate diagnostic code.
• While marriage counseling is not normally covered, our counselors are able to bring a spouse into sessions with the identified client (spouse) who has the diagnosis for insurance purposes. These sessions will normally be covered.
• Per AGWM, you NEVER need approval to receive counseling. Nor is it necessary to make anyone aware of the fact that you are seeking counseling unless you desire to do so. *Approval is only needed if travel is required or financial assistance is needed. If travel is required, the nature of the counseling need will not need to be disclosed.

OPTION 2: MCO SUBMITTING FOR INSURANCE REIMBURSEMENT

MyCounselor.Online can also submit reimbursement claims on your behalf. There is a $5 per claim fee for the medical biller to do so. To have MCO submit claims on your behalf. Please fill out the Insurance Processing Request Form

1. Upon completion of the request, we will submit your claim the following week. Insurance companies usually process the claims in about 3-5 weeks.
2. You will get an explanation of benefits from your insurance company and any payments made to you. Sometimes, by error, the insurance company sends the payment to MyCounselor.Online. If this happens, we will add it to your account to be used for future sessions or paid to you by check at your discretion.
3. Or get reimbursed through insurance for your counseling sessions! Download this handout to learn how.

The services provided by MCO are completely confidential. The only information shared with AGWM is for employment verification, approval of other eligible participants, and for billing purposes. At no time, except where mandated by law, will participation or information discussed between an Eligible Participant and MCO, be released to any other party without written consent of the Eligible Participant. Eligible Participant concerns, their source, treatment, and resolution will always be afforded the maximum confidentiality permitted by law.