Get Reimbursed for Therapy with Out-of-Network Insurance, FSA/HSA, and Superbills
Learn how you can use your out-of-network insurance, superbills, or FSA/HSA accounts to get reimbursed for therapy. And get answers to your top FAQs.
Check if you qualify for out-of-network reimbursement for our services
1.
Get Out-of-Network Reimbursement
We’ve partnered with Mentaya, a service that helps you get out-of-network reimbursement. They handle the paperwork and file the claims on your behalf. If your insurance approves the claim, you’ll get a check in the mail for part of the cost of your sessions.
We cover the cost of the Mentaya membership for you. You just pay a small 5% fee per session (based on the cost of your session). Approximately 70–90% of clients are eligible for some form of reimbursement. On average, people receive reimbursement for 50–70% of their therapy costs. Risk-free: If you don’t get reimbursed, you’ll get your Mentaya fee back.
Ways to Get Reimbursed for Therapy
2.
File a Superbill Yourself
If you prefer to handle getting reimbursed for therapy yourself, Missions Counseling & Play Therapy is happy to provide you with a superbill. Filing a superbill allows you to potentially get reimbursed by your insurance company for your therapy sessions. It’s one of the simplest and most flexible ways to use your out-of-network benefits. You have control over the process: you submit the superbill directly to your insurance, giving you more transparency and oversight.
3.
Use Your FSA or HSA Account
You can also use your FSA (Flexible Spending Account) or HSA (Health Savings Account) by itself, or in conjunction with Mentaya or your superbill claim, to cover the balance. An FSA or HSA can significantly help cover the cost of therapy by allowing you to use pre-tax dollars to pay for qualified medical expenses, including mental health services. Because FSA and HSA funds are not taxed, using them for therapy can reduce your overall out-of-pocket cost by 20–30% or more, depending on your tax bracket. Most FSA/HSA accounts come with a debit card you can use to pay for your sessions directly, just like any other card.
Payment-Related FAQs
Does Missions Counseling & Play Therapy accept my insurance?
To ensure we provide the highest quality care, our practice is not in-network with any insurance providers. However, we partner with Mentaya, a service that helps clients file out-of-network reimbursement claims and get reimbursed for therapy directly from their insurance provider, often as a check in the mail.
We’re also happy to provide a superbill (a detailed receipt of your therapy sessions) that you can submit to your insurance company yourself. If you have any questions about using Mentaya or submitting a superbill, we’re here to help.
Which insurance plans are eligible for out-of-network reimbursement?
You are eligible if your insurance plan has out-of-network benefits (PPO, POS, and HDHP plans). HMOs, Medicaid, and traditional Medicare plans do not offer out-of-network (OON) benefits. Use the benefits calculator to see if you qualify.
How do I know if I qualify for out-of-network reimbursement?
You can quickly check your out-of-network therapy benefits using the Reimbursements Calculator. It only takes a few seconds. Because coverage varies by plan, the best way to get specific answers is to contact your insurance provider directly. Most calls take less than 10 minutes, and many insurance companies also offer live chat if you’d rather not call.
How do I get reimbursed for therapy using out-of-network insurance coverage?
When you sign on with Missions Counseling & Play Therapy as a client, you can choose to use Mentaya.
If you sign up for Mentaya, Mentaya will submit claims on your behalf. Our practice will submit the fees to Mentaya on your behalf after each session. Mentaya will charge you a fee of 5% of your therapy cost in order to file your claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies.
This process is risk-free: Mentaya guarantees that if claims are not successfully submitted, you will receive a full refund of their fees. All you have to do is wait for your insurance reimbursement checks to arrive in the mail or be direct deposited into your bank account.
The exact amount of your reimbursement for therapy will depend on your particular insurance plan. PPO plans can cover anywhere from 30–80% of the session cost.
Once you meet your deductible, it typically takes a few weeks for you to get reimbursed. Mentaya will submit claims after every session to help you get reimbursed as quickly as possible.
What is the process to file a superbill myself?
If you’re wondering how to get reimbursed for therapy, using a superbill is one of the most effective options.
After paying for your sessions out of pocket, you submit the superbill to your insurance provider via their online portal or by mail. If your plan includes out-of-network coverage, you may receive partial reimbursement for each session.
Be sure to check your insurance company’s deadline for submitting claims so you don’t miss the reimbursement window.
Can I use my FSA or HSA card to pay for therapy?
Yes, you can use your FSA or HSA card to cover the cost of therapy sessions. Doing so allows you to use pre-tax dollars to pay for your therapy sessions, which means you may see 20–30% savings, depending on your tax rate.
Billing & Payment Policies
Payment Options
We accept a variety of flexible payment methods to ensure therapy is accessible for your family:
- Major Credit and Debit Cards
- Health Savings Account (HSA)
- Flexible Spending Account (FSA)
Attendance Policy
Consistency is key in play therapy. We require at least 24 hours' notice for cancellations to allow other families to utilize the session time. Missed sessions or late cancellations are subject to a service fee.
Billing
For child counseling services, fees are collected the day of your appointment. Your receipts and invoices are available for download in our portal, providing clear documentation for your records or insurance claims.
Good Faith Estimate
We believe in full financial transparency. In compliance with the No Surprises Act, we provide a 'Good Faith Estimate' of session costs before your child's treatment begins, so there are never any unexpected charges.