Insurance, Payments, & Out‑of‑Network Reimbursement

Patients across Texas often use out‑of‑network benefits to receive psychiatric care from Reflective Psychiatry. At Reflective Psychiatry, we offer a transparent payment model designed to help you use your out‑of‑network insurance benefits whenever possible. This page explains how reimbursement works, how to check your coverage, and how to submit a superbill to your insurance provider.

Understanding Reimbursement for Care at Reflective Psychiatry

  • Self‑Pay and Out‑of‑Network Psychiatric Services

    Reflective Psychiatry is a self-pay, out-of-network (OON) psychiatric practice. This means we are not contracted with any insurance providers and do not bill them directly.

    Payment is required prior to your scheduled appointment, and we accept all major credit cards, as well as HSA and FSA cards.

    Although we do not work directly with insurance, many of our patients receive partial reimbursement by submitting a claim to their insurance provider using a superbill, which we provide after each session.

    Here is the step-by-step guide to help you check your out-of-network benefits and submit your claim.

  • Step 1: How to Check Your Out‑of‑Network Benefits

    Use the member services number on the back of your insurance card. Some important questions to consider when you call:

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

    - What is my out-of-network deductible, and how much of it have I met?

    - What percentage of the session cost will be reimbursed after I meet the deductible?

    - What is the allowable or “usual and customary” rate for CPT code [Our Good Faith Estimate details have the list of codes we commonly use for your reference]

    - Do I need to submit a claim form in addition to the superbill?

    - How should I submit the claim—online, through an app, or by mail?

    Why this step matters: These answers will help you understand how much you’ll be reimbursed and how much you’ll pay out of pocket. This can help you decide if working with an out-of-network provider is sustainable for you financially.

  • Step 2: What’s Included in Your Superbill

    There’s nothing you need to do here—we’ll send you a superbill after each session. It will include all the details your insurance company needs to process your claim, including:

    Provider information and credentials

    Service (CPT) codes

    Diagnosis (ICD-10) codes

    Session dates and fees paid

  • Step 3: How to Submit a Claim for Reimbursement

    Once you have your superbill, you can submit it to your insurance company using their preferred method:

    Online member portal: Log in and upload the superbill as a claim.

    Mobile app: Some insurers allow you to submit a photo or PDF.

    By mail: Contact your insurer for the correct mailing address and ask if a claim form is needed.

    Be sure to keep a copy of everything you submit for your records.

  • Step 4: Tracking Your Reimbursement Timeline

    Insurance companies typically take 2–6 weeks to process claims. You can monitor the status through your member account or by calling customer service.

    If your claim is denied, ask for an explanation and find out whether you can resubmit or appeal the decision.

  • Questions?Questions About Using Your Out‑of‑Network Psychiatric Benefits?

    We’re happy to:

    - Provide a list of common billing codes we use

    - Clarify information on your superbill

    - Guide you through the general process

    While we cannot contact your insurance company on your behalf, we’ll do our best to support you in understanding and using your out-of-network benefits.