Insurance
Using Out-of-Network Benefits and Superbills
If your clinician is not in network with your plan, you may still get part of your session fee back. Here is how out-of-network benefits and superbills work.
What out-of-network means
Every clinician here accepts a different set of plans, and some see clients as private pay only. When your clinician is not in network with your plan, you pay for the session and your insurance may reimburse part of it, depending on your out-of-network benefits.
Your benefits may be better than you think
Out-of-network benefits may be comparable to in-network benefits, or you may have to meet a deductible first. Whether your clinician is in network or out of network with your plan, we are happy to file claims for you on request.
What a superbill is
A superbill is a detailed receipt with the information an insurer needs to process a claim: the clinician's credentials and identifiers, the date and type of service, the diagnosis code and the amount paid. You can submit it to your insurer yourself if you prefer to file on your own.
Questions to ask your insurer
- Do I have out-of-network benefits for outpatient mental health?
- What is my out-of-network deductible, and how much has been met?
- What percentage of the allowed amount do you reimburse?
- How do I submit a claim or a superbill, and how long does reimbursement take?
- Are telehealth sessions covered out of network?
How it works here
- 1.
Check your benefits
Call your insurer with the questions above.
- 2.
Choose a clinician
Fit first; insurance is one factor among several.
- 3.
Pay at the session
You pay the clinician's session fee.
- 4.
Claim
We file the claim on request, or give you a superbill to submit.
Where this applies
- Therapy
- Yes, with any clinician
- Medication management
- Ask your insurer about out-of-network psychiatric visits
- Psychological testing
- Private pay; ask your insurer whether it reimburses evaluations
- Hypnosis
- Private pay
Fees
Fees vary by clinician and service. Call 832-876-3232, or see your intake paperwork after you request an appointment.
Out-of-network questions
Can I get a superbill for testing?
Ask when you schedule. Testing is private pay, and reimbursement for evaluations depends entirely on your plan.
Do you take my plan in network instead?
Check the insurance pages for Aetna, BCBS, Cigna, UnitedHealthcare, Optum, Medicare, Oscar and UMR.
Is a free consultation available?
Diana Cantu and Torresy Smith offer a free 15-minute phone consultation.
Ask about your benefits
Call or text 832-876-3232, or request an appointment in the client portal.