How to file for out-of-network insurance reimbursement

Filing for reimbursement for psychotherapy is actually very simple! You can do it online. Here’s how:

If your therapist is not paneled with your insurer, they are considered “out of network” providers, meaning you’ll pay your therapist directly, and then submit a claim for reimbursement from your insurance company.

FILING YOUR CLAIM ONLINE
It’s very likely that you can file your claims for reimbursement online, on your insurance company’s website.

• Sign in to your account on your health insurance company’s website.
• Find “Submit a claim online”.
• Fill in the info they request.
• Scan and upload a copy of your psychotherapist’s bill.

That’s it!

Here’s the info they’ll request – all of this will be on the statement your therapist gives you:

Provider’s name and address
Provider’s tax ID number (might be TIN, EIN, FEIN, or SSN)
Diagnosis code (“ICD”) – for example, “F41.1” for Generalized Anxiety Disorder
Procedure code (“CPT”) – for example, “90837” for Individual Psychotherapy, 60 minutes

Here is an example of what it may look like when you login to your providers portal. Circled in magenta is where you will submit the information:

Here’s an example of a page from an online claim, showing some claim information filled out, and the button you’d click to attach a copy of your therapist’s bill: