Out-of-network means that Sparrow Light Counseling LLC does not directly contract with insurance providers. Payment for sessions occurs at the time of services directly to the practice.

In many cases yes! Many insurance providers will reimburse you for out-of-network mental health services. Sparrow Light can provide you with a superbill to submit to your insurance carrier to seek reimbursement in order to make the process as easy for you as possible.

Choosing a therapist is a personal decision, and for some people, finding the right fit matters more than limiting their search to providers who participate with their insurance plan.

Working with an out-of-network therapist may give you an opportunity to choose someone whose experience, approach, areas of focus, and understanding of your life feel like a good match for you. It can also open up more options when in-network providers have limited availability or when you are looking for support around a particular identity, relationship, or life experience.

Working outside of insurance networks can also allow for greater flexibility in how we approach your care. Our work together can stay focused on your goals, your experiences, and what feels most helpful to you, rather than being influenced by the requirements of an insurance plan.

For many people, the most important part of therapy is feeling comfortable, understood, and confident in the person they are working with. Out-of-network benefits can sometimes make it possible to prioritize that fit while still receiving some financial from your insurance plan.

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.

Superbills are easy for me to generate and I’m happy to provide one whenever you need it. You won’t need to create anything yourself or gather complicated paperwork from me. the 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 clear picture of how to use these benefits.