Using a Superbill for Possible Insurance Reimbursement

At Mosaic Mind & Body Wellness, some services are private pay. This means we do not bill insurance companies directly or participate as an in-network provider.
One of the main reasons for this choice is that insurance companies often set restrictions—such as limiting the number or length of sessions—regardless of your needs or therapeutic goals. By remaining out-of-network, we’re able to provide care based on what’s best for you, not what’s approved by an insurance policy.

What is a Superbill?

A superbill is a detailed receipt for services you’ve received. You can submit this document to your insurance company to request reimbursement through your out-of-network benefits. While we cannot guarantee that your plan will cover any portion of your sessions, many clients do receive partial reimbursement.

You can choose how often you’d like to receive your superbill—monthly, quarterly, or on another schedule that works for you. Just let your therapist know.

Paying for Sessions

All sessions are paid for at the time of service. We keep a card on file, and it is automatically charged after your appointment.

How to Check Your Coverage

Before starting therapy, we recommend calling your insurance provider and asking the following questions:

  1. Do I have out-of-network mental health benefits?

  2. What percentage of the session cost will be reimbursed?

  3. What is my out-of-network deductible, and how much of it has been met?

  4. How do I submit a superbill, and what is the time limit for doing so?

What’s on a Superbill?

A superbill includes the details your insurance company typically needs to review a claim:

  • Client details: your name, date of birth, and address

  • Therapist details: name, practice address, contact information, license number

  • Diagnosis code: insurance companies require a qualifying diagnosis to consider reimbursement

  • Dates of service and corresponding CPT (procedure) codes, which describe the type and length of each session

  • Session fees: an itemized breakdown with the total amount you’ve paid

Example of How Reimbursement Works

Let’s say your session fee is $175. Your insurance determines their “allowable amount” is $100 per session. If your out-of-network coinsurance is 40%, they would pay 60% of the $100—meaning you might be reimbursed $60 per session.
Note: this is only an example—your actual reimbursement may vary.

If Your Claim is Denied

If your insurance company denies your request, review your Explanation of Benefits (EOB) for the reason. Sometimes they need additional information; other times, a claim may be eligible for appeal.

Key Points to Remember

  • We do not bill insurance directly.

  • Superbills are provided upon request.

  • Reimbursement is never guaranteed.

  • You are responsible for payment at the time of your session.

  • Always check your policy’s deadlines for submitting claims.

If you’d like us to prepare a superbill for you, let your therapist know your preferred delivery schedule.