Navigating out-of-network benefits can feel like a maze, but it doesn’t have to be. At Somatic Psychotherapy, we work with clients using out-of-network insurance benefits and provide everything you need to make reimbursement as simple as possible. Below you’ll find an overview of how it works, so you can focus more on healing and less on logistics.
We know insurance can be confusing
We’re here to help make the process simple
Understanding Your Insurance Options
How to Get Reimbursed for Therapy
Check your Out-of-Network Benefits
You can use a free tool like Reimbursify or reach out directly to your provider. A few helpful questions to ask:
- Do I have out-of-network mental health coverage?
- What is my deductible, and how much have I met so far?
- What percentage of my session fee is reimbursed?
- Are telehealth sessions covered?
*This is an estimate and is not a guarantee of reimbursement. Clients should always confirm the estimated reimbursement amount directly with their insurance companies, as they have the most up-to-date information.
Your Sessions
You’ll be responsible for paying for each session at the time of service.
We accept all major credit cards, HSA/FSA cards, and securely store your payment method on file. After each session, your card is typically charged within 24 hours. We’ll walk through fees and sliding scale options during your consultation so you feel clear and empowered from the start.
Submit for Reimbursement
At the end of each month, we’ll provide you with a superbill. A detailed receipt that includes all the information your insurance provider needs to process your claim.
Keep a digital or printed copy of all documentation. If your reimbursement is delayed or denied, having records makes it easier to follow up or appeal.
SAVE EVERYTHING
Once you know how your provider processes claims, upload or send your superbill accordingly. Some companies may ask you to include a claim form as well—be sure to follow their instructions carefully.
SEND IN YOUR CLAIM
Every insurance company handles claims differently. Reach out to confirm where and how to send your superbill; some have online portals, while others may require mailing or a third-party form.
Contact your Insurance
Double-check that your superbill includes your name, dates of service, diagnosis code, provider info, and session type. This ensures a smooth submission process and prevents delays.
REVIEW YOUR SUPERBILL
Reimbursement
Once submitted, your insurance provider will review your claim and reimburse you directly. Reimbursement typically comes by mail or direct deposit, depending on your preferences.
While we don’t submit claims on your behalf, we’re happy to offer guidance throughout the process. You’re not in this alone, and we’re here to make things smoother wherever possible.
You don’t have to figure this out alone. If you’re unsure how to check your benefits, submit a claim, or understand your superbill, we’ve got you.
We’re happy to walk you through the process or answer specific questions about insurance and reimbursement. Just send us a note or bring your questions to your free consultation.