Getting Reimbursed for Your Care with Dr. B:

A Quick Guide

So, you’ve decided to take charge of your health (go you!), and now you’re wondering how to handle insurance reimbursement for out-of-network care. Here’s everything you need to know—no insurance jargon, just straight answers.

Do You Take Insurance?

I don’t take insurance, which means I don’t have to follow their rules or rush through appointments. Instead, I provide the care you deserve—comprehensive, evidence-based, and tailored to you.

That said, many patients get partial reimbursement for out-of-network care. I’ll provide a superbill (a fancy receipt with all the right codes) to make the process easier.

What’s a Superbill, and How Do I Use It?

A superbill is a detailed receipt that includes:

  • The services you received (with medical codes for your insurance)

  • My credentials and practice details

  • The amount you paid

To get reimbursed:

  1. Call your insurance company (see the script below) and ask about your out-of-network mental health benefits.

  2. Submit the superbill to your insurance (this is usually online, through an app, or by mail).

  3. Wait for reimbursement—this varies by plan but typically takes a few weeks.

Will My Insurance Reimburse Me?

It depends on your out-of-network benefits. Here’s what to ask your insurance:

  • Do I have out-of-network benefits for mental health care?

  • What’s my out-of-network deductible, and how much have I met?

  • After I meet my deductible, what percentage is reimbursed?

  • How do I submit a claim, and how long does it take to process?

Making Reimbursement Easier: Thrizer & Reimbursify

If submitting claims sounds like a hassle, these tools can help:

  • Thrizer – Lets you pay only your co-insurance upfront (after meeting your deductible) and they handle the rest.

  • Reimbursify – A simple app that submits claims for you and tracks reimbursement.

How Much Will I Get Back?

This depends on your plan. Many patients receive 50-80% back after meeting their out-of-network deductible. If you haven’t hit your deductible yet, your payments count toward it, which means you’ll get reimbursed sooner.

Sometimes it also depends on the codes I use for our appointments. My intake codes are typically 99204 + 90833 and my follow up codes are usually 99214 + 90833 or 90836. These are estimations because codes are tailored to each patient depending on how complex the conditions and treatments are, and length of the appointment.

Why Private Pay?

Because it allows me to focus on you—not insurance rules. With private pay:

✔ You get longer appointments and deeper care

✔ We choose the best treatment—not what insurance allows

✔ No surprise claim denials or restrictions

Have more questions? Reach out—I’m happy to help!