1
Call your insurance
Before your first session, call the member-services number on your insurance card and ask whether your plan includes Out-of-Network mental health benefits.
Out-of-Network Reimbursement
How to use your benefits, step by step.
If your plan includes Out-of-Network mental health benefits, you may be able to receive reimbursement for part of your therapy cost. Your insurance company can tell you exactly how your plan works.
Before you begin: Benefits vary by plan, and a superbill does not guarantee reimbursement. Your insurer is the best source for coverage details and claim decisions.
The Reimbursement Process
From checking your benefits to receiving a claim decision.
2
Ask the right questions
Ask about your deductible, the allowed amount, reimbursement percentage, and whether both in-person therapy and telehealth are covered.
3
Pay at the time of service
Pay the full session fee at your appointment using a credit card, debit card, HSA, or FSA.
4
Receive your superbill
Upon request, we’ll provide a detailed superbill containing the information your insurance company needs to review an Out-of-Network claim.
5
Submit to insurance
Submit the superbill using your insurer’s portal, app, mail-in process, or preferred claims-submission method.
6
Your plan reviews the claim
If the claim is eligible, your insurer sends reimbursement directly to you based on your plan’s deductible, allowed amount, and benefit level.
Before Calling Your Plan
Questions to ask your insurance company.
Call the member-services number on your card. It can help to write down the answers, the date of your call, and the representative’s name.
- “Do I have Out-of-Network mental health benefits?”
- “What is my Out-of-Network deductible, and how much of it has been met?”
- “What is the allowed amount and reimbursement percentage for Out-of-Network outpatient therapy?”
- “Are both in-person sessions and telehealth covered?”
- “How should I submit my superbill or Out-of-Network claim?”
Questions about our part of the process?
We’re happy to explain how superbills work at Mindful Kinetics. For coverage and reimbursement details, contact your insurance plan directly.
