Understanding your insurance coverage helps you make informed decisions and get the most out of your care at ReachLink. The Care Coordination team is here to verify benefits, explain coverage details, and help you navigate any issues that arise.
Verification Process
- Enter your insurance information during registration.
- The Care Coordination team verifies your benefits, usually within one hour.
- Appointments cannot be confirmed until verification is complete.
- Once verified, you’ll see only in-network providers.
What Verification Confirms
- Eligibility for mental health services
- Your copay or cost-share amount
- Available in-network providers
- Session limits or authorization requirements
Types of Coverage
Commercial Insurance
- Session length: 60 minutes
- Cost: Your plan’s copay or coinsurance
- Providers: Only verified in-network providers displayed
- Cancellation fee: $30 if canceled within 24 hours
Employee Assistance Program (EAP) Benefits
- Session length: 45 minutes
- Cost: $0 (no copay)
- Sessions: Limited number authorized
- Expiration: Benefits may have end dates
- Cancellation: No fees, but repeated no-shows may affect eligibility
Using Your Benefits
- Complete your profile and insurance information
- Wait for verification
- Browse in-network providers
- Pay your copay when confirming appointments
Maximizing Coverage
- Use EAP sessions first, if available
- Transition to commercial insurance once EAP ends
- Use all authorized EAP sessions before expiration
Coverage Transitions
From EAP to Commercial Insurance
- Care team contacts you before your EAP sessions end
- Commercial insurance can be verified early
- You may switch earlier if preferred
- Automatic transition occurs after completing all EAP sessions
Benefits of Early Switching
- Access a larger provider network
- 60-minute sessions instead of 45
- Start using annual insurance benefits sooner
- Supports ReachLink’s sustainability
When Insurance Isn’t Eligible
If verification is delayed or coverage isn’t confirmed, you can:
- Wait for verification (usually within one hour)
- Choose self-pay (rates available upon request)
- Apply insurance retroactively once verified
Questions?
- In the app: Tap “Get Help”
- Email: support@reachlink.com