Out of Network? No Problem.

A superbill is a document that shows a list of services you received from a healthcare provider. After the therapy session has been paid to the provider.  A receipt/superbill will be generated for you to submit to your insurance company.

How does a superbill payment work?

Typically, superbills are provided to clients and insurance companies that are out of network.

If a therapist is out of network, they are not connected to your insurance carrier. That means treatment and sessions may not be covered by insurance.

As such, your therapist won’t submit for payment to your insurance company. Instead, you can request to be reimbursed by your insurance company for a part of your costs. A superbill is your key to doing this.

You can contact your insurance provider to learn if you have out-of-network benefits. Medicare recipients do not have out-of-network benefits. It is important to know what your benefits are before beginning treatment. Also, ask if you’ll need prior authorization for out-of-network services.

If your insurance provider confirms that you have out-of-network benefits, you may be reimbursed for some of the costs you paid out of pocket.

How much can I expect to be reimbursed after I submit my superbill?

Your insurance company will process your reimbursement according to the details of your plan.

Based on your insurance carrier’s policies and your plan, several factors determine how much you may be reimbursed. These factors include:

The amount allowed for a therapy service is based on what your insurance company would pay for an in-network therapist

Your out-of-network benefit level

Whether you have met your out-of-network provider deductible for the year

Your coinsurance rate for out-of-network providers (the percentage of charges your insurance company expects you to pay)

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CONTACT your insurance carrier for insurance details.