On the back of your insurance card there will be a one or more phone numbers listed. If there is only one number listed for member services call that number but if there is a separate number listed for Mental Health/Behavioral Health or Substance Abuse this is the number to call in order to determine psychiatric or outpatient mental health benefits. Be sure to have a pen and paper ready to take down information provided.

You should ask the following questions:

• Is Dr. Sara Flecher, PMHNP-BC considered an in network provider? (They may ask for clinic address: 5 Centerpointe Dr., Suite 400, Lake Oswego, Oregon 97035)
• If so, can proceed by asking about your "In-Network Benefits."
• If not in-network, you should ask to get information about your "Out-of-Network Benefits."
• What is the co-pay amount or co-insurance percentage specifically for outpatient mental health office visits?

If you are told that you have a co-payment per session, the cost is usually the same dollar amount each visit regardless of your deductible being met or unmet.

If you are told you have a co-insurance percentage, the amount your insurance covers and thus the amount you owe each session may vary. You are typically required to meet your deductible before insurance will provide payment. If you haven't met your deductible, you may be required to pay 100% of the cost. Amounts also vary depending on the services provided. We can help provide an estimate of the cost once you determine what your co-insurance percentage is.



• What is the annual deductible and how much has been met? 

This is the amount needing to be met before an insurance company begins to provide co-insurance.