Superbilling is an out-of-network insurance reimbursement method I offer to clients who want to use their insurance benefits, but I am not directly contracted with their insurance company. Instead of submitting claims directly to your insurance provider, I provide you with a superbill when you are ready to request it, which you can then submit to your insurer for potential reimbursement.

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Here’s how the superbilling process works:

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Step 1: Attend Your Therapy Session

• You will attend your scheduled therapy session at [Your Practice Name] as usual.

• Payments for your session will be made in full at the time of service, either through private pay or other methods (e.g., HSA/FSA)

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Step 2: Request a Superbill

• When you are ready to request a superbill, simply let me know what dates you want included via email.

• A superbill is an itemized invoice that contains all the information your insurance provider needs to process a claim for reimbursement will be uploaded to your portal

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Step 3: Receive Your Superbill

• Once we receive your request, we will generate and send you the superbill. It will include:

  • Your personal information

  • The date of the session

  • The type of service (e.g., therapy)

  • The duration of the session

  • Diagnosis and treatment codes (ICD-10 codes)

  • The fee for the session

  • Note: some insurers have special modifiers that need added

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Step 4: Submit the Superbill to Your Insurance

• After receiving the superbill, you will submit it directly to your insurance provider for reimbursement.

• You will likely need to submit the superbill through your insurance provider’s online portal or by mail, depending on their process.

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Step 5: Insurance Reimbursement

• Your insurance company will review your superbill and process the claim based on your out-of-network benefits. The reimbursement amount will depend on your insurance plan’s specific coverage and deductible.

• Insurance providers generally take several weeks to process claims, so there may be a delay in receiving your reimbursement.

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Key Points to Keep in Mind:

• Out-of-Network Benefits: Your reimbursement will depend on your insurance plan’s out-of-network coverage. It's a good idea to check with your insurer ahead of time to understand your benefits.

• Timeframe: The reimbursement process can take several weeks. Be sure to keep track of your claim status with your insurance provider.

• Co-pays and Deductibles: If you have a co-pay, deductible, or coinsurance, these will still apply so you may not start to receive any benefits until the deductible is met or your co-payment is paid.