Navigating Out of Network Insurance Benefits

Insurance benefits can feel so overwhelming! Here are some tips and tricks to utilizing your out of network benefits for therapy.

My clients receive superbills (a statement that includes the dates seen, how much paid, diagnosis, etc.) at the end of each month. These superbills can be submitted to insurance for reimbursement of services if that is a benefit your plan offers. Each insurance plan is different so be sure to call your insurance and ask the following questions to get a better idea of your plan’s unique benefits.

• What are my out of network outpatient mental health benefits?

• How much of each therapy session will my insurance reimburse? (This is usually a percentage)

• Do I need to meet a deductible before my insurance will begin reimbursing for out of network visits? If so, how much of this deductible have I already paid?

• Are there any limitations to eligible services? (Ex: limited amount of sessions, max fee per session)

• Does my plan require a referral from a physician to be reimbursed?

• How do I submit my superbill for reimbursement?

• How long will it take to get reimbursed once I submit my superbill? How will I receive the reimbursement?

Please feel free to contact me if you have any questions regarding this process.