Calculate out-of-network-Benefit

I am an out-of-network provider, which means I do not bill insurance directly but can provide you with a superbill to submit to your insurance company for potential reimbursement. Choosing an out-of-network provider allows you the flexibility to select a therapist who is the best fit for your unique needs, rather than being limited to an in-network directory. Many clients find this freedom invaluable in creating a meaningful therapeutic connection.

To help you navigate your benefits, I’ve included a tool below to check your out-of-network coverage and understand any potential out-of-pocket costs. Feel free to use it and reach out if you have any questions!

  • Out-of-network means that I am not directly contracted with your insurance provider. While I do not bill insurance companies directly, many insurance plans provide partial reimbursement for out-of-network mental health services. This allows you to work with a therapist of your choice and still receive some financial support from your insurance.

  • You can find this information by entering your insurance information in the TOOL ABOVE. You can also contact your insurance provider directly. Ask questions like:

    • Does my plan include out-of-network mental health benefits?

    • What is my annual deductible for out-of-network services?

    • What percentage of the fee will be reimbursed once the deductible is met?

    • Are there limits on the number of sessions covered per year?
      Using these answers, you’ll better understand what to expect in terms of reimbursement.

  • After paying for your session in full, I will provide you with a “superbill,” a detailed receipt that includes all the necessary information your insurance company needs to process your claim. You’ll submit this superbill to your insurance company, which will then reimburse you directly based on your plan’s coverage.

  • A superbill is an official document that serves as proof of your therapy session for insurance purposes. It includes:

    • My name, credentials, and license number.

    • The date and duration of your session.

    • The service provided (CPT code).

    The fee paid for the session.
    This document ensures your insurance company has all the information needed to process your claim.

  • Most insurance companies do not cover the full cost of out-of-network therapy. Instead, they reimburse a percentage (e.g., 50–80%) of the session fee after you’ve met your deductible. For example, if your deductible is $1,000 and you haven’t met it yet, you’ll need to pay out of pocket until you reach that amount before receiving reimbursements.

  • Yes, you’ll be responsible for paying the session fee in full at the time of service. You’ll then submit the superbill to your insurance company for potential reimbursement.

If you have further questions about out-of-network coverage or need assistance navigating the process, feel free to schedule a free 15-min consultation with me. I’m happy to help you understand your benefits and make therapy more accessible for you.