Find an off campus therapist

Last Updated: 12/12/2024

It is important that you connect with a provider who can serve your particular needs. In arranging for private care, discuss the following with an SCC clinician or potential provider:

  • Is the provider well qualified to work with you on your particular concerns? Does the provider offer services that are appropriately extensive, immediate, or specialized?
  • Where is the provider located? Is public transportation or parking available?
  • What are the provider's fees or charges? Will the provider accept your insurance? If the services are not covered by your insurance plan, or your insurance plan has limited coverage, what are your payment options?
  • Would you be more comfortable speaking with a therapist who identifies with a particular gender, cultural or linguistic background, or another identity? How important are these preferences to you?

You may meet with an SCC counselor to arrange for referral assistance if you already have an idea of the specialized services of care you need that cannot be provided by the SCC, but are readily available in the surrounding community. 

Students should refer to the Insurance explained document, to understand the basics of using insurance to cover mental health services.

 

UMB Student Health Insurance Plan (SHIP):

Visit these websites for information about the UMB SHIP

 HealthiestYou

The Student Health Insurance Plan covers teletherapy and telepsychiatry through HealthiestYou.

  •  If you are having a problem getting service at HealthiestYou, you can report your concerns via email at help@healthiestyou.com or call 855-870-5858.
  • After creating an account, students are encouraged to check their spam/junk mail box for emails from HealthiestYou, then be sure to add them to your list of contacts to ensure all emails are received. Find the Healthiest You FAQ here!

Gap Exception Benefits with United Healthcare Student Resources

Gap exception will allow students to visit with an out-of-network provider given that there is not a provider within close proximity able to provide needed services.

  • To receive the gap exception benefits, the provider must send a email of request, including the student's diagnosis and treatment to customerservice@uhcsr.com
  • The student's FR ID number will be needed

 

Finding an off campus provider in your area:

Visit Psychology Today to identify a qualified provider in your area by entering your zip code and insurance information. 

For psychiatrists or medication management services, you can use Psychology Today or Maryland Psychiatric Society's webpage.

International Providers:

Psychology Today is used in multiple countries across the world, including the U.S., Canada, Mexico, United Kingdom, Austria, Belgium, Denmark, Ireland, Spain, Sweden, Switzerland, Australia, Hong Kong, New Zealand, Singapore, Chile, and South Africa. Psychology Today also has psycho-educational resources available in multiple languages: https://www.psychologytoday.com/intl/counsellors?domain=content&cc=us&cl=en

Other countries may have their own version of Psychology Today. Please review the resources below. If you know other international resources for finding a provider, please let us know so that we can add it to our website.

Questions To Ask Your Insurance Company

Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by calling your insurance company. First, ask about your “in and out of network benefits” to ensure that you are forwarded to the correct department.

Here are some questions to get you started:

Mental Health Benefits ▾

  1. Do I have mental health benefits?
  2. Do I have in and out-of-network benefits?
  3. What is my deductible and has it been met? 

Claims for Sessions ▾

  1. How many sessions per calendar year does my plan cover?
  2. What address should I use to submit claims?
  3. Can I be reimbursed for a "superbill" received from my clinician?
  4. Is there a treatment plan form that the psychologist needs to complete? Can the form be emailed to the subscriber? If so, what is the fax number to send the completed form? Is there another option to submit the completed form?

Out of Network Provider ▾

  1.  How much does my plan cover for an out-of-network provider?
    • If you are told that it is a percentage (i.e., 80%), ask “How much is my co-payment?”
      • Ask for the allowed amount for the following procedure codes:

Diagnostic Interview/Initial Appointment (CPT 90791)

Individual Therapy (CPT 90834 and 90837)

Family Therapy (CPT 90847)

Appointments for Psychological and Psychoeducational Testing

Psychological Test Administration and Scoring (CPT 96136 and 96137- 30-minute units)

Psychological Interpretation, Integration, Treatment Planning, Report and Interactive Feedback (CPT 96130 and 96131 – 30-minute units)

Gap Exception Benefits ▾
Gap exception will allow students to visit with an out-of-network provider, given that there is not a provider within close proximity able to provide needed services.

UHC Student Resources (UMB SHIP): 

  • To receive the gap exception benefits, the provider must send an email of request including the student's diagnosis and treatment to customerservice@uhcsr.com
  • The student's FR ID number will be needed

Blue Cross Blue Shield (CareFirst/BCBS):

  • Students should call the insurance company with their member ID to request gap exception forms.
  • Students may also call the BCBS Behavioral sector to gain approval

Aetna:

  • Students should precertify by calling 800-333-4432
  • All Aetna insurance profiles do not qualify for gap exception benefits

Cigna (Evernorth):