It is often beneficial to ask the following questions when contacting your insurance company prior to treatment:

Do I have behavioral health coverage?
Is my behavioral health coverage through my health insurance company or contracted out to another agency? (carve out plan)
What are my behavioral health benefits?
Is a Licensed Mental Health Therapist (LMHC) covered?
Is an LMHC considered a primary provider or a specialist with my plan? (This may effect your co-pay)
What will my co-pay (if any) be?
What will my deductible (if any) be?
What will my co-insurance (if any) be?