In some cases you may be eligible to use out-of-network insurance benefits. You will be responsible for paying for each session in full at time of appointment. If appropriate, I will provide a super bill each month that you can submit to your insurance company for reimbursement.

Out-of-network means that a therapist does not have a contract with your health insurance plan provider. Many insurance providers offer “out of network benefits” meaning they will reimburse a portion of the out of network session cost directly to the client.

You can use the out-of-network reimbursement calculator below to get an individualized estimate of what your costs will be using your out-of-network benefits!

If you have out-of-network benefits, they typically will reimburse you for 60-80% of the cost of each session.

If appropriate, I will provide you with monthly invoices called a “super bill” that will include all of the necessary information for your claims to be processed.

Your out-of-network benefits are usually pretty straightforward to use. Most insurance companies have you upload your monthly superbill online (it’ll be sent to you on the 1st of each month) and then they will mail you a check with your reimbursement.

It’s always a good idea to call the number on the back of your health insurance card listed under Member Services.

You can ask them the following questions:

Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?

What is my out-of-network deductible?

How much of my deductible has been met this year?

Do I need a referral from an in-network provider to see someone

out-of-network?

What percentage of outpatient psychotherapy sessions are covered per session?

How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834)?

How do I submit claim forms for reimbursement?

How long does it take for me to receive reimbursement?