multiple insurances

Hello,

Starting this year, I am covered under 2 insurance plans, one under my employer and one under my wife's (as her dependent). My T is in network under my wife's plan and is not in network under my plan. My plan does not allow for out of network providers. I currently see my T 2x week. We have been discussing increasing that to 4x week (switching to more psychoanalysis). I am in the USA. I have a couple questions.

1. Where does continuity of care fall in terms of requiring an insurance to cover "out of network" level for someone when they are in the middle of a treatment program? Is there such a thing?

2. My wife's plan does allow for unlimited number of visits a year; however, when talking to someone in their behavioral health group, they said that standard of care is 1x wk. They said they do not review every case, just random audits and those cases flagged based on usage of service. I am worried that increasing my sessions would flag me for an audit and my T will have to provide details about my therapy in order to prove that it is "medically necessary". My T and I have not discussed formal diagnoses and I'm pretty certain I don't want to know her clinical thoughts about me. I am worried that they would only authorize 1x week sessions. Right now it is a struggle to go the 4 days without seeing her and often I use outside of session contact to stay connected to her.

3. If my T was to get in network under my plan or we got some other allowance, is it possible to send 2 visits to one insurance and 2 visits to the other rather than trying to get one to cover all 4 and the other pick up the difference? My T talked about primary and secondary insurances and such.
This confused me on if both insurances had to know what was being submitted to the other one or if legally we could split it like this. Again, this is to minimize either insurance from knowing how often I am seeing my T.

Thank you.

it depends on what kind of insurance policy you have and what is covered....I have multiple insurance plans. one work related and the other through another company. what happens with me is one insurance plan is billed then what they dont pay the other one does...

example if my health bill is 500.00 I pay my deductable (some insurance plans call this a co pay) for this example plucking the number $100.00 out of the air. that leave 400. balance. one insurance plan is billed and they may pay $250.00 and then the second insurance plan gets their billing from the doctor, pharmacy, therapist what ever for the remaining $150.00. As a result of this i and my family are never without health care coverage and can always see our treatment providers when needed.

my suggestion is contact your insurance companies. they will let you know how the billing and payment process works with them to ensure you have continuity of care for your mental/physical health care issues.

Regarding #3, a while ago I had two insurances, with each covering 50% of a hospital stay. But when insurance B found out insurance A paid 50%, insurance B said that they didn't need to pay, since 50% had been paid. So I would definitely talk to the two insurance companies. Based on my experience, I didn't see the point of having two insurances.