Professional counselors are often uninformed about insurance matters. This monograph is for counselors who wish to participate in third-party reimbursement activities. The text addresses general issues related to professional counselors and health care reimbursement. It describes major health reimbursement plans such as Blue Cross/Blue Shield, CHAMPUS, and Medicaid/Medicare, as well as self-insured plans and private health insurance companies. Federal regulations, which often supersede state statutes, and such concepts as extraterritoriality and freedom of choice, which vary from state to state, are introduced. Although the book explores specific concerns, such as why professional counselors are sometimes not reimbursed and how to help clients understand the reimbursement process, general concepts related to the legal requirements for health care reimbursement, as well as strategies for maximizing reimbursement, are also discussed. Legal issues are only broadly outlined here and it is suggested that mental-health professionals consult with their attorney over specific concerns. The information is intended as a guideline and as an educational resource. Contains a glossary, a list of frequently asked questions, and 19 references. (RJM)