I am considered an out-of-network provider, which means I don’t bill insurance directly. However, I provide a monthly superbill—an itemized receipt that includes all the information your insurance company needs to consider reimbursement. Many of my clients receive 40–80% of the session fee back after meeting their out-of-network deductible, depending on their plan.

A superbill is a document that looks like a detailed invoice. It includes service codes, provider credentials, and payment details—everything your insurance provider needs to process an out-of-network reimbursement claim. While it's not a guarantee of coverage, many clients are able to recover a significant portion of their therapy costs using this document.

Call your insurance provider and ask:

• “Do I have out-of-network benefits for outpatient mental health counseling with an LCSW (Licensed Clinical Social Worker)?”

• “What is my out-of-network deductible, and how much of it have I met?”

• “What percentage (co-insurance) do you reimburse after I meet my deductible?”

• “Are telehealth sessions covered?”

• “Do I need pre-authorization for therapy?”

If you’re unsure how to ask these questions, I’m happy to walk you through the process.

Clients typically get reimbursed 40–80% of the session fee after meeting their out-of-network deductible. Reimbursement depends on several factors, including:

• Your plan’s out-of-network deductible (commonly $500–$3,000)

• Your co-insurance rate (often 60–80%)

• Whether your plan covers telehealth (some require providers to be in-state)

• Whether pre-authorization is required

Many PPO plans, especially those through large employers, offer strong out-of-network benefits.

You can also check your OON benefits and submit claims here.

Yes! You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy. This can reduce your out-of-pocket cost even if you don’t pursue insurance reimbursement.

Here’s a step-by-step guide:

1. Call your insurance provider
   Ask the key questions listed above to understand your coverage.

2. Attend therapy and pay as usual
   I’ll provide you with a monthly superbill for the sessions you’ve paid for.

3. Submit the superbill
   You can submit it via:

   • Your insurance provider’s member portal

   • Fax or mail (check your plan for details)

   • Or through free apps like Reimbursify or Better to streamline the process

4. Receive reimbursement
   Once processed, your insurance company will mail or direct deposit your reimbursement based on your plan's details.

Yes!

• Keep a record of all superbills you submit

• Use an HSA/FSA for therapy payments

• Double-check your benefits annually, as insurance plans often change

I reserve a limited number of sliding scale spots for clients experiencing financial hardship. If you’re interested in this option, I may ask for basic income and household information to determine eligibility and set a sustainable fee together.