Out-of-Network Insurance for Therapy
If we are not in-network with your insurance provider, you may still be able to receive partial reimbursement for therapy services. This is known as using your out-of-network insurance benefits, and many of our clients choose this route to access care while lowering their out-of-pocket costs.
What Is Out-of-Network Reimbursement?
When you see a provider who isn’t in-network with your insurance, you can often submit a claim yourself to get reimbursed for a portion of your therapy fees. The amount you receive back depends on your specific plan.
Many PPO and some high-deductible plans include out-of-network benefits, especially for mental health care. While upfront payment is required, you may be surprised by how much your insurance will cover on the back end.
We Provide Superbills for Easy Filing
To help you take advantage of your benefits, we can provide a superbill—a special receipt that includes:
Your therapist’s credentials and license number
CPT codes and diagnosis codes
The dates and costs of your sessions
You simply upload or send this document to your insurance company to request reimbursement. Some providers even allow you to submit through their mobile app.
Will My Insurance Cover This?
Every plan is different, but here are questions to ask your insurance company:
Do I have out-of-network benefits for mental health or behavioral health?
Is therapy with a Licensed Clinical Social Worker (LCSW) or Speech-Language Pathologist (SLP) eligible for reimbursement?
What percentage is reimbursed per session, and is there a deductible?
How do I submit a superbill or claim form?
We’ll support you with documentation and guidance so you can make the most of your coverage.
Why Clients Use Out-of-Network Benefits
Choosing an out-of-network therapist gives you more freedom to:
Work with a therapist you truly connect with
Avoid long waitlists or coverage gaps
Access specialized services not always available in-network
Keep therapy confidential without needing a diagnosis on record
We believe that quality care should be driven by your needs—not insurance networks.
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If you’re unsure whether your plan includes out-of-network benefits, we’re happy to help you figure it out. We’ll provide a superbill, walk you through next steps, and support your path to emotional wellness.