Typically, your therapist or counselor will bill your insurance for you and you pay co-insurance or a copay. Your therapist should confirm with you about your coverage before or during your first visit. In some instances, you may need to pay out-of-pocket first and then be reimbursed by your insurer.
Sometimes, mental health care is treated separately than other health care and is not subject to a deductible. Other times, your mental health coverage might not take effect until after you meet your annual deductible. If you have specific questions about billing, contact your insurer for more information.