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Many insurance plans offer out-of-network benefits that often reimburse part or all of your individual session cost. Most plans do not reimburse for couples therapy, but you can always call your insurance company and find out.  

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Super-bills are detailed invoices with diagnosis codes that you submit to your insurance company for reimbursement.  I provide these for individual clients who meet a mental health diagnosis. They are automatically provided by email on the 1st of each month. I suggest that you contact your insurance company before attending any therapy sessions to verify your out-of-network insurance coverage.​

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So, you will pay for sessions upfront and then submit a claim to your insurance company for possible reimbursement. I  do not guarantee any reimbursement and recommend you follow the steps below to understand coverage.

 

 

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Verify Your Out-of-Network Benefits: Contact your insurance provider to determine if your plan covers out-of-network mental health services. Be sure to ask:​​​

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1. ​Does my plan have out-of-network mental health benefits?

2. Does my plan cover couples therapy (if this applies)

3. What is the reimbursement rate for mental health services?

4. Do I have a deductible for out-of-network services, and has it been met?

5. What percentage of the session fee is reimbursable after meeting the deductible?

6. Is there a maximum number of reimbursable sessions?​​

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• Determine the Reimbursement Rate: Out-of-network benefits often cover a percentage of the “allowed amount” after you meet your deductible. For example, if the allowed rate is $100 and your plan covers 60%, you may get reimbursed $60. Some plans also cap the number of sessions they’ll reimburse annually.

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• Pay Your Therapist Directly: Unlike in-network services, where insurance pays the provider, you’ll pay your out-of-network therapist directly at the time of each session. Save your receipts, as you’ll need these for reimbursement.

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• Submit a Superbill to Insurance: After paying for a session, superbills are emailed on the 1st of each month. This is a detailed receipt that includes everything your insurance company needs to process your claim, including the session date, provider's information, type of service, and billing codes.​

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Good Faith Estimate Notice

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Under the federal No Surprises Act, health care providers—including licensed mental health clinicians—are required to provide patients who do not have insurance or who are not using insurance a "Good Faith Estimate" of total expected costs for non-emergency medical and mental health care services. You have the right to receive a Good Faith Estimate in writing before scheduling or upon request. Upon beginning care with me and completing your intake paperwork, you will receive a personalized Good Faith Estimate document detailing your expected costs. If you receive a bill that is at least $400 more than your Good Faith Estimate, you have the right to dispute the bill. For questions or more information about your right to a Good Faith Estimate, visit cms.gov/nosurprises.