Best FED insurance coverage for 100+ out of network therapy sessions for toddler

[Anonymous]

I’m hoping someone here in the same boat has recommendations?

Thanks so much.

[Anonymous]

Find a different provider for therapy. In this area, they are around but sometimes you need to drive a bit.

[Anonymous]

GEHA standard is very good about reimbursing for out-of-network therapy of all types, mental health, physical, occupational. It won't cover the total cost, but a pretty high percentage.

[Anonymous]

Anonymous wrote:Find a different provider for therapy. In this area, they are around but sometimes you need to drive a bit.

If they found a different provider, which insurance is best?

[Anonymous]

Anonymous wrote:GEHA standard is very good about reimbursing for out-of-network therapy of all types, mental health, physical, occupational. It won't cover the total cost, but a pretty high percentage.

Looks like GEHA has a limit of 60 sessions/year. So then she’ll pay for 40+ sessions out of pocket? Ouch.

[Anonymous]

Do the provider(s) not accept any insurance at all, or are they in some network? That's what I'd look into first....

[Anonymous]

I have FEP Blue and was able to get a waiver for out of network coverage for speech therapy.

[Anonymous]

Anonymous wrote:

Anonymous wrote:GEHA standard is very good about reimbursing for out-of-network therapy of all types, mental health, physical, occupational. It won't cover the total cost, but a pretty high percentage.

Looks like GEHA has a limit of 60 sessions/year. So then she’ll pay for 40+ sessions out of pocket? Ouch.

All plans will have a stated limit, but if your clinician writes a note saying more sessions are warranted then they will usually approve it.