A therapist is considered out of network when they do not have a contract with your particular insurance plan. Depending on your coverage, you may still be able to use out-of-network benefits to receive reimbursement for a portion of your session costs. You pay for your session at the time of service and submit a claim to your insurer for reimbursement.

You may be able to! Many insurance providers will reimburse you for out-of-network mental health services. I can provide a superbill which is a detailed receipt for your sessions, and offer guidance on submitting it. Your insurer can confirm whether your plan includes these benefits and explain any deductible or reimbursement limits.

Finding a therapist involves considering your comfort with them, their experience, availability, and the cost of care. Out-of-network benefits may offer additional choices when you’re looking for a particular approach, area of expertise, or appointment availability.

If Sparrow Light feels like a good fit, exploring your out-of-network benefits can help you understand how your insurance may support your care.

A superbill is simply a detailed receipt for your therapy services that you can submit to your insurance company. It includes all the information your insurer typically needs, including dates of service, the type of therapy provided, the amount paid, my provider information, and a diagnosis code.

I’m happy to provide a superbill and explain the information it contains, so you feel more comfortable with the submission process. This information is already documented as part of your care and can be provided in a straightforward, organized form for you to submit to your insurance company.

If you’re thinking about using out-of-network benefits, a quick call to your insurance company can help you understand what your plan may cover. You might ask:

• What are my out-of-network benefits for outpatient mental health therapy?

• Is there an out-of-network deductible?

• Once my deductible is met, what percentage of therapy costs may be reimbursed?

• Are there any limits on the number of therapy sessions covered?

• Do I need a referral or prior authorization?

• How do I submit a superbill for reimbursement?

You don’t need to know all of the insurance terminology before you call. These questions are a good place to start and can help you get a clear picture of how to use these benefits.