How to Submit a Superbill for Out-of-Network Therapy Reimbursement

Paying for therapy out of pocket can feel overwhelming, but did you know you may be able to get some of that money back? Many people don’t realize they can use their out-of-network benefits to help cover therapy costs. If your insurance plan includes out-of-network benefits, submitting a superbill is the key to getting reimbursed for a portion of your sessions.

New to out-of-network therapy? Start with this resource to learn what it is, how to check your benefits, and why working with an out-of-network therapist might be the right fit for you.

Once you’ve confirmed your coverage, this guide will walk you through how to submit a superbill—step by step. I’ll break down the confusing terms and help you feel confident navigating the process.

What is a Superbill?

The word superbill may sound a little fancy, but it’s essentially a receipt or invoice from your therapist that contains all the information your insurance company needs to process your claim and provide reimbursement.

It typically includes:

• Your name and date of birth

• Your therapist’s name, credentials, license number, and NPI (National Provider Identifier)

• The date and duration of each session

• CPT (service) codes, such as 90837 for a 53+ minute therapy session

• ICD-10 (diagnosis) codes

• The fee charged and the amount you paid

Your therapist provides this document to you, and then you submit it to your insurance company to request reimbursement. Some therapists send superbills automatically. Others may require you to request them. You can typically request them monthly, quarterly, or after each session.

Step 1: Understand Your Insurance Benefits

Before submitting anything, take time to review your plan. Here’s what to check:

• Do you have out-of-network coverage for outpatient mental health services?

• What percentage is reimbursed after meeting your deductible?

• What’s your deductible, and how much of it have you met?

• How do you submit a claim (online, by app, or by mail)?

• Is a specific diagnosis required for reimbursement?

You can usually find this information by calling the number on the back of your insurance card or logging into your member portal. Even if you've already checked, it’s a good idea to confirm the details before submitting a claim.

Need help asking the right questions? This resource walks you through it.

Step 2: Gather Your Superbill(s) From Your Therapist

Some therapists automatically provide superbills, but others will wait until you request them. Once you ask, your therapist may send a PDF after each session, monthly, or on another agreed-upon schedule.

Tip: Keep your superbills organized. Save each superbill to a folder on your computer or cloud storage so everything is in one place when you're ready to submit.

Step 3: Download the Out-of-Network Claim Form

Most insurance companies require a specific claim form to accompany your superbill.

• Visit your insurance company’s website and search for “out-of-network claim form”

• Download and print the form, or complete it online if your insurer allows

Tip: Save a blank copy of the form in the same folder where you keep your superbills. This makes resubmitting much easier in the future.

Step 4: Complete the Claim Form

Fill out the claim form using the exact information on your insurance card. Be sure to:

• Include your full name, date of birth, and policy/member number

• Add any required signatures

• Double-check for missing fields or required attachments

Step 5: Submit Your Claims

You’ll need to submit both the completed claim form and your superbill(s). Depending on your insurance, you may submit claims:

• Through their member portal (upload the superbill)

• Via mobile app

• Occasionally by fax or mail

Tip: Always save a copy of everything you submit, including screenshots or scans of mailed forms.

Step 6: Wait for Processing and Reimbursement

Claims usually take 30 to 90 days to process. You’ll likely receive an Explanation of Benefits (EOB) once the claim has been reviewed. If approved, reimbursement may come by check or direct deposit, depending on how your insurance is set up.

Troubleshooting: What if Your Claim is Denied?

If your claim is denied:

• Contact your insurance company to find out why

• Often, it’s due to a small issue like a missing field or incorrect code

• Ask your therapist for a corrected superbill if needed

• You can appeal by submitting additional documentation or a letter

• Don’t hesitate to ask your therapist for help if you’re not sure how to proceed.

A Few Important Notes

• Reimbursement isn’t guaranteed. It depends on your plan, deductible, diagnosis, and the codes submitted.

• You’ll pay up front. Your therapist does not bill your insurance directly. Reimbursement comes back to you.

• A diagnosis is typically required. If a diagnosis is needed, your therapist will include it on the superbill.

• Keep records. Save your superbills, claim forms, EOBs, and any communication with your insurer.

• Submit regularly. Monthly or quarterly submissions are often easier to manage than submitting all at once.

• Track your deductible and out-of-pocket max. This can help you estimate future reimbursement amounts.

• Communicate with your therapist. Ask how often they provide superbills and what format they use.

Final Thoughts

Submitting a superbill may be extra work, but it can be well worth it. Many clients receive a significant portion of their therapy costs. If you’re unsure where to start or still have questions, don’t hesitate to ask your therapist for guidance. Therapy is a meaningful investment, and if your plan offers reimbursement, it’s worth making the most of it.

Have more questions or want to work together? Schedule a free consultation.

Michaela Zoppa is a Licensed Professional Counselor (LPC) in Colorado. She supports women and teen girls navigating anxiety, perfectionism, trauma, and burnout.