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ACADEMY
Navigating InsuranceMental Health Coverage Guide
06 / 08
Section6. Admin Hurdles & Superbills

Claims & Administrative Management

Overcoming Hurdles & Superbills

Common Admin Barriers

01

Primary Care Referrals

HMOs require a doctor referral before seeing a specialist. Ensure referral is logged prior to session 1.

02

Prior Authorization

Intensive outpatient programs (IOP) or specialized psych testing require prior insurer clearance.

03

Call Logs & Tracking

Always log the date, time, agent name, and call reference numbers for every insurance discussion.

OUT-OF-NETWORK REIMBURSEMENT

How Superbills Work

  1. 1

    Pay therapist directly at full self-pay fee during each visit.

  2. 2

    Receive monthly Superbill with CPT (e.g. 90837) & ICD-10 diagnosis codes.

  3. 3

    Submit Superbill via insurer online claim portal or apps like Reimbursify.

  4. 4

    Receive check/direct deposit reimbursement (typically 50-80% after OON deductible).