Yes! Many of my clients get a significant amount of their sessions reimbursed once they submit their “superbill” to their insurance. I am considered an "out-of-network" provider. Clients pay for therapy, and I provide a superbill to the client. The client can then submit the superbill to their insurance company to request reimbursement. Not all insurances provide out-of-network benefits, and in some instances the deductible will need to be met prior to reimbursement. The client’s insurance could deny the request for reimbursement.
Similar to an insurance claim, a superbill contains specific information about the client, the service, the provider, and the client’s diagnosis. It is this information that the insurance plan will consider when making a decision as to whether or not they will reimburse the client for what the client has already paid the therapist.
It is recommended that clients verify with their insurance provider to learn if their insurance offers out-of-network reimbursement. Clients can inquire with their insurance by asking questions such as:
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Do I have mental health insurance benefits?
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Do I have a deductible? If so, what is it and have I met it yet? (Deductibles often need to be met before out-of-network benefits are provided.)
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Is approval required from my primary care physician to see an out-of-network mental health provider?
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Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
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What percentage of each session is covered (coinsurance) when I see an out-of-network therapist?
CPT code often used in psychotherapy treatment:
90837 Individual psychotherapy with client, 60 minutes
