Using Out-of-Network Insurance Benefits
Out-of-Network Benefits & Superbills
I operate as a private-pay practice and do not bill insurance directly. Choosing to remain out of network allows me to provide care that's tailored to your unique needs rather than the requirements of an insurance company.
I understand that navigating insurance can feel confusing and overwhelming, especially when you're already taking the important step of seeking therapy. My goal is to make the process as simple and transparent as possible so you can focus on your care rather than paperwork.
Many PPO plans include out-of-network mental health benefits that may reimburse a portion of therapy costs. If your plan includes these benefits, you can either submit superbills yourself or use Thrizer, a secure platform that helps streamline the reimbursement process.
How It Works
Session Fee: $250
Option 1: Submit Superbills Yourself
Pay $250 at the time of your session
Submit your superbill to insurance
Receive any eligible reimbursement directly from your insurance company
Option 2: Use Thrizer (if eligible)
Verify your out-of-network benefits
Claims are submitted automatically
Depending on your plan, you may pay only your estimated responsibility at the time of your session
Insurance benefits vary by plan and reimbursement cannot be guaranteed.
How to Check Your Out-of-Network Benefits
To understand your specific coverage, call the number on the back of your insurance card and ask:
“Do I have out-of-network benefits for outpatient psychotherapy (CPT code 90834-95)?”
“What is my out-of-network deductible, and how much of it has been met?”
“What percentage of outpatient mental health services is reimbursed after my deductible is met?
“How do I submit superbills—through the mobile app or another portal?”
“Is preauthorization required?”
Because each plan is different, please confirm directly with your insurance provider for details about your out-of-network mental health benefits and reimbursement process. I’m happy to provide superbills and support you as you navigate the system.
Using Thrizer
Submitting claims and tracking reimbursements can feel overwhelming. For clients who would prefer a more streamlined process, I also offer the option to use Thrizer. Thrizer is a secure payment and reimbursement platform designed specifically for private-pay therapy practices.
With Thrizer, you may be able to:
Verify your out-of-network benefits before starting therapy
Have insurance claims submitted automatically
Track reimbursements in one place
For eligible plans, pay only your estimated out-of-pocket cost at the time of your session
Using Thrizer is completely optional. You're always welcome to submit superbills yourself if that's your preference.
Because every insurance plan is different, reimbursement amounts cannot be guaranteed. If you're unsure about your benefits, I'm happy to help you determine whether using Thrizer or submitting superbills directly is the best fit for your situation.