Contact the member services number on the back of your insurance card and ask whether your plan includes out-of-network benefits for outpatient mental health services. You may also want to ask about your deductible, reimbursement rate, allowed amount, claim-submission process, and whether prior authorization is required. Please remember that a quote of benefits is not a guarantee of reimbursement

Your out-of-network deductible is the amount you must pay for eligible out-of-network healthcare services before your insurance plan begins reimbursing you. This deductible is usually separate from your in-network deductible.

For example, if your out-of-network deductible is $2,000, you may need to pay $2,000 toward eligible out-of-network services before receiving reimbursement. After the deductible is met, your plan may reimburse a percentage of its allowed amount—not necessarily a percentage of the therapist’s full fee.

In most cases, you will pay Bloom & Breathe Therapy directly at the time of service. If you submit a superbill and your claim is approved, your insurance company will generally send the reimbursement directly to you. We recommend confirming the payment process with your insurance company because policies can vary.

You may choose to pay privately without submitting claims to your insurance company. Some clients prefer this option for greater privacy or flexibility. You may also request a Good Faith Estimate explaining the expected cost of services. Payment is due according to Bloom & Breathe Therapy’s payment policies.

Please contact Bloom & Breathe Therapy if you have questions about receiving your superbill or believe information on it needs to be corrected. For questions about coverage, claim submission, reimbursement, or a denied claim, contact your insurance company directly using the member services number on your insurance card.