What is a superbill
- Ask your therapist if they can provide a superbill, either prior to starting therapy, or after your first session. A superbill is a detailed invoice outlining the services a client received. I can generate a superbill for you to submit to your insurance. The superbill gives the insurer all the information they need to pay the claim if your insurance covers your mental health treatment. Don’t feel awkward asking, as this is a common request. If you have concerns about receiving a diagnosis (which insurance companies typically require), make sure to address this with your therapist beforehand. You can ask your therapist to clarify which diagnosis they intend to submit, their reasoning for making that diagnosis, and what the implications might be as a result of adding that diagnosis to your medical record. If you feel uncomfortable with your therapist’s proposed diagnosis, ask about possible alternatives.
- Speak with a representative from your insurance company prior to starting therapy, or submit a claim to your insurance after starting therapy. If you want to determine what your insurance will reimburse ahead of starting therapy, simply call your customer care number (on the back of your insurance card), and ask a representative to calculate the reimbursement rate. Otherwise, after your first therapy session, submit a claim to your insurance company. Most companies provide an online portal in which you can upload specific claims forms, as well as your superbill. It may take a few weeks, but you will receive an Explanation of Benefits (EOB), showing your rate of reimbursement.
- Continue to upload claim forms and superbills for reimbursement, as you progress in therapy. Some insurance companies and policies will allow a certain number of visits to be listed on each claim form (e.g., no more than ten), which means you may not need to submit a new claim after each therapy visit. Clarify this with your insurance representative beforehand.
Why can't you bill my insurance directly?