Here is a how-to guide on verifying your benefits before seeking care:

Part 1: Preparation

Before you call, have the following ready:

• [ ] Your BCBS Member ID card.

• [ ] Your full legal name and date of birth.

• [ ] The name of the therapist or practice (CARE Counseling, Naperville).

Part 2: The Call Script & Questions

Call the “Member Services” or “Behavioral Health” number on your card. Once connected to a representative, you can use these questions:

1. General Eligibility

• [ ] “I am calling to verify my outpatient mental health benefits. Is my policy currently active?”

• [ ] “Is CARE Counseling in Naperville, IL an in-network provider for my specific plan (e.g., PPO, Blue Choice, HMO)?”

2. Financial Responsibility

• [ ] “Do I have a deductible for outpatient mental health? If so, how much is it, and how much has been met so far this year?”

• [ ] “Once my deductible is met, do I have a copay (flat fee) or coinsurance (percentage) for each session?”

• [ ] “What is my out-of-pocket maximum for the year?”

3. Coverage Specifics

• [ ] “Does my plan cover Telehealth (video sessions) for mental health at the same rate as in-person visits?”

• [ ] “Are there any session limits (e.g., 20 visits per year) or is coverage based on medical necessity?”

• [ ] “Do I need a referral from my Primary Care Physician (PCP) or a prior authorization before I begin therapy?”

4. Documentation for Your Records

• [ ] Date of Call: ____________________

• [ ] Representative Name: ____________________

• [ ] Call Reference Number: ____________________

Part 3: Next Steps

Once you have this information, you can make an informed decision about your care.

• If everything looks good: Head over to our scheduling page to book your intake.

• If you’re still unsure: Don’t worry! Send us a copy of your insurance card through our secure portal, and our administrative team will do a secondary verification to ensure you have the most accurate cost estimate possible.