Usually, you will need to contact your insurer (so you’ll need your membership number or policy number handy when you call them). These are the questions you need to ask:

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• Does my policy cover counselling/psychotherapy?

• What is the process for starting counselling funded by my policy?

• How many sessions can be funded by my insurance?

• How do I get an authorisation code?

• Do I need to give you the provider number of my therapist?

• Is there any excess on my policy (if so, how much)?

• Is there any annual limit or financial limit to my policy? If so, will any other medical bills be deducted from this total if I am having any other medical treatment around this time?

• What are the next steps?

• What is the billing procedure?

• Is there a renewal date for my policy each year and if so, is there a new funding allowance for counselling/psychotherapy each year?

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If there is an excess on your policy, this usually means that you will need to pay Zest for Life for the initial fees, up to the total of the excess. After that, your insurer should pay the remaining fees.

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Zest For Life usually invoices your insurer directly for the session fees. So ordinarily, you will not be required to pay and then reclaim. But different insurance companies and different types of policy can vary, which is why we recommend that you ask the questions above, so you are completely clear about the cover that is available to you.

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We help our clients set up insurance funding all the time, so we are familiar with the process. Just get in touch and we will help you sort this out, so you can get going with your counselling sessions.