What Is a Superbill and How Can It Help You Save on Therapy?

A superbill is a detailed receipt that your therapist provides after a session, specifically designed for clients who pay out of pocket and want to use their out-of-network insurance benefits. While it’s not the same as a standard invoice, a superbill contains all the necessary information your insurance company needs to process a reimbursement request.

Here’s how it works and how you can use it: 

What’s Included in a Superbill?

A superbill typically contains:

• The therapist’s name, credentials, license number, and NPI (National Provider Identifier).

• Your name and other identifying information as the client.

• A description of the services provided, including: 

• The date(s) of service.

• Procedure codes (CPT codes) for the therapy session(s). Typical codes: 90834, 90791, 90846, 90847

• A diagnosis code (if applicable).

• The total amount paid by you for the session(s). 

How Can a Superbill Help You Save?

If your health insurance plan includes out-of-network benefits, you can submit a superbill to your insurance company to request reimbursement for a portion of the therapy cost. Here's the typical process:

1. Check Your Insurance Benefits

• Look for information on your plan’s out-of-network benefits.

• Confirm your deductible (the amount you must pay out of pocket before your insurance starts reimbursing).

• Ask what percentage of the session cost they will reimburse once your deductible is met.

2. Request a Superbill from Your Therapist

• Your therapist will provide the superbill after your session(s). Make sure it includes all necessary details to avoid delays in processing.

3. Submit the Superbill to Your Insurance

• Most insurance companies allow you to submit claims online, by mail, or through their app. Include any additional forms they require.

4. Get Reimbursed

• If approved, your insurance will send you a reimbursement check for the covered portion of the therapy cost.

Key Benefits of Using a Superbill

• Flexibility: You can see the therapist of your choice, even if they’re out of network.

• Cost Savings: While you pay upfront, you may receive significant reimbursement.

• Control Over Your Care: You’re not limited to in-network providers, which can be especially helpful if you’re looking for a therapist with a specific specialty. 

Using a superbill is a straightforward way to make out-of-network therapy more affordable. If you’re unsure about the process or need guidance, your therapist or insurance provider can help you navigate the steps. Your mental health is worth the investment!