Superbills

What is a Superbill?

A superbill is a detailed receipt your therapist gives you that you can use to request reimbursement from your health insurance company. This is especially helpful if:

  • Your therapist does not accept your insurance directly (out-of-network), and

  • You want to try to get some money back from your insurance plan.

Think of a superbill as a specialized invoice designed to include all the details your insurance company needs to review your claim. A superbill typically includes:

  • Your therapist’s name, credentials, and contact info

  • Your name and date of birth

  • Dates of your sessions

  • Service codes (CPT codes)

  • Diagnosis codes (ICD-10 codes)

  • Amount you paid

  • Other details required by your insurance plan

Once you receive your superbill, you usually:

  • Submit it to your insurance company (online portal or by mail)

  • Wait for an Explanation of Benefits (EOB) telling you what portion, if any, your insurer will reimburse

Tip: Not all insurance plans cover out-of-network therapy, and reimbursement amounts can vary widely. Contact your insurance plan before treatment to understand your benefits.

Tips for Navigating Superbill Reimbursement

  • Check your benefits first: Ask your insurer about out-of-network coverage, session limits, and required codes.

  • Keep all receipts and superbills organized: This makes submission easier and prevents lost reimbursement.

  • Submit promptly: Most plans have deadlines for reimbursement claims.

  • Follow up: Call or message your insurance company if you haven’t received your EOB after a few weeks.

  • Ask your therapist for help: They can clarify codes or resubmit if your insurance requests more info.

FAQs

Q: Can I use a superbill with any insurance plan?
A: Most plans accept superbills, but coverage for out-of-network services varies. Always check with your insurer first.

Q: How long does it take to get reimbursed?
A: It depends on your insurance company. Typically, reimbursement takes 2–8 weeks after submission.

Q: What if my insurance doesn’t reimburse me?
A: You’ll still have proof of payment for your sessions, which may be tax-deductible if you qualify. Some plans only reimburse a portion or require pre-authorization.

Q: Can I submit a superbill electronically?
A: Many insurance plans allow online submission through a member portal. If not, you can mail or fax it according to your plan’s instructions.