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Insurance & Billing

At Paz Mental Health, all of our therapists are out-of-network providers. This means that although we are not directly in-network with any insurance companies, many plans with out-of-network benefits will reimburse you for therapy sessions after you have met your deductible. Below is a step-by-step guide to help you understand how to get reimbursed for your sessions.

How to Get Reimbursed

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1. Confirm Your Out-of-Network Benefits

Before starting therapy, it's important to check with your insurance provider to see if your plan covers out-of-network mental health services. You’ll need to confirm if your plan provides reimbursement for outpatient psychotherapy and telehealth services. If you’re unsure about your coverage, feel free to reach out, and we can help you navigate this process by providing a benefits check.*

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*Please note that this is an estimate and not a guarantee of reimbursement. Always confirm with your insurance company for the most accurate and up-to-date information about your coverage.

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Questions to Ask Your Insurance Provider:
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“Does my plan include out-of-network benefits for mental health care, specifically outpatient psychotherapy?”


“Do I have a deductible for out-of-network services? If yes, what is the remaining amount before my insurance starts reimbursing me?”


“What is the maximum amount my plan will reimburse for mental health service code 90837 with a psychotherapist?”


"Are telehealth sessions covered under my plan?"

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Once you confirm your plan provides out-of-network benefits, you may be eligible for superbills and/or courtesy claims submission.

 

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2. What is a Superbill?

A superbill is an itemized form used in medical billing that your therapist provides after each session. This document contains all the necessary information for your insurance company to process a reimbursement claim. It includes details such as patient and provider information, service codes, diagnosis codes, and the cost of each session.

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Once you receive your superbill, you can submit it to your insurance company to request reimbursement. Each month, we will provide you with a superbill via email for all sessions from the prior month.

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3. Courtesy Claims Submission

Courtesy claims submission is when we, as out-of-network providers, submit the insurance claim on your behalf. After you pay for each session upfront, we submit your claims, and once your deductible is met, your insurance will reimburse you directly. Please note that not all insurance plans support courtesy claims submission. If your plan is ineligible, we will provide you with a superbill for direct submission.

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How it Works:

  • You pay for each session upfront.

  • We submit your claims within 2-4 weeks of the session date.

  • After meeting your deductible, reimbursement will be sent directly to you.

 

4. Submitting Your Superbill

If your plan does not support courtesy claims, you can submit your superbill directly to your insurance provider. Here’s how:

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Review: Double-check the accuracy of the superbill before submitting.
Contact Your Insurance: Ask about the specific process for submitting a claim, whether by mail, fax, or through an online portal.
Submit: Follow your insurance provider’s submission instructions, which may involve mailing or uploading the superbill.
Keep a Copy: Retain a copy of all documents for your records.
Follow Up: If you don’t hear back within a few weeks, contact your insurance company for an update on your claim.

 

5. Keep Your Information Updated

If your insurance or payment information changes, please notify us right away to avoid any disruption in service. You can update your details by contacting our office directly.

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If you have any questions or need further assistance with the reimbursement process, feel free to reach out. We're here to help!

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