I do not accept insurance directly. However, if you have a PPO or POS insurance plan, you may be able to get reimbursed for a portion of your session fees through your plan’s out-of-network (OON) benefits. This means you pay for sessions upfront, and your insurance company may send you a partial reimbursement once you submit a claim. Depending on your plan, reimbursements can typically range anywhere between 40% and 80% of the session cost.

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To help you with this process, I can provide a superbill upon request, which is a special receipt designed specifically for insurance reimbursement.

 

What is a Superbill?

A superbill is a formal invoice I give you after your therapy sessions. It contains all the information your insurance company needs to process a claim and consider reimbursement for mental health services received outside of their provider network.

A superbill includes:

• Your name and date of birth

• My full name, NPI number, license number, and practice address

• Dates and duration of each therapy session

• Procedure codes (also known as CPT codes, e.g., 90834 for a 45-minute individual session; 90791 for intake session; 90853 for group session)

• Diagnostic code (ICD-10) as required by your insurance

• The session fee and amount you paid

 

You submit this document to your insurance provider, either online through their member portal or by mail, just like you would a receipt for reimbursement.

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How to Check Your Out-of-Network Benefits, Step-by-Step:

Here’s a simple script you can use when calling the number on the back of your insurance card:

1. Call your insurance provider (member services or behavioral health line).

2. Ask:

   “Can you tell me what my out-of-network benefits are for outpatient mental health services (CPT code 90834 for 45-minute therapy sessions)?”

3. Then ask:

   “Do I have a deductible for out-of-network services? If so, how much of it have I met?”

4. Clarify:

   “What percentage of the fee will be reimbursed once my deductible is met?”

5. Ask:

   “Is there a maximum allowed amount (also called a 'reasonable and customary rate') for these services?”

6. Confirm:

   “What is the process for submitting a superbill for reimbursement? Can I submit online or do I need to mail it?”

7. Ask:

   “How long does reimbursement usually take after submitting?”

 

Why Do Clients Choose Out-of-Network Therapy?

• Greater privacy. When you opt for a therapist who is outside of your insurance network, your mental health records are not shared with you insurance company.

• More choice in selecting a therapist who aligns with your needs.

• Flexible care. In other words, we’re not bound by insurance-mandated session limits or diagnoses.

• Specialized support, especially for conditions like autism, ADHD, trauma, anxiety, or perinatal mental health, which benefit from tailored, evidence-based care.

 

 

I’m happy to walk you through the superbill process at any point. Therapy is an investment in your long-term well-being. Most importantly, I want you to feel empowered navigating your options.