Out-of-Network Insurance Considerations

I may be considered an Out-of-Network provider should you choose to use your insurance. If you choose to use insurance, I will provide you with a “Superbill”. A superbill is a receipt for services that includes all the necessary information to submit to your insurance company for reimbursement. This includes the type of service provided, the fee collected, and client diagnosis. Percentage and rate of reimbursement is based on your Out-of-Network coverage so it is important to check with your insurance company to determine your benefits.

Here are some helpful questions to ask your insurance provider:

  • Do I have insurance benefits for mental health?

  • Can I use Out-of-Network benefits to access mental health services?

  • What is my deductible? How much have I met so far?

  • If I use Out-of-Network benefits, are they applied to my deductible?

  • How many sessions per year are covered?

  • What dollar amount or percentage is reimbursed per counseling session?

  • Do I need a referral from my primary care doctor?

  • What forms are required for reimbursement? How do I submit these forms?