As an out-of-network provider, Arrive Therapy does not directly bill insurance companies. However, we provide clients with a "superbill" - an itemized receipt containing all the necessary details for you to submit to your insurance for reimbursement.[1] Therapy sessions are paid upfront, but around 85-90% of our clients use their insurance plan's out-of-network mental health benefits to get reimbursed for a significant portion, if not all, of the therapy costs.[1]

Being out-of-network means the insurance company cannot dictate the length or terms of your therapy, nor will they receive any of your private session notes or require an official diagnosis on your record.[1] This protects your privacy and allows for more flexibility in your care. Additionally, you may be able to claim mental health expenses as a tax deduction.

The typical session fees at Arrive Therapy are $155, however, some therapists are less and some more, depending on the clinician's level of experience, training, and whether you are seeking individual or joint sessions (e.g., couples or family therapy).[1] Our intake is a 90 minute full bio-psycho-social eval and the cost is $215. You can view our clinicians' specific rates and availability on our openings document or discuss fees during your complimentary 20-minute consultation call.

On the 1st of each month, your superbill will be automatically emailed to you. [1] For example, on March 1st, you'll receive the superbill listing all your therapy sessions from February. The superbill contains the necessary codes and information for your insurance company to process reimbursement.[1] Simply download the superbill and submit it to your insurance provider via email, fax, or their online portal.

Some clients use services like Reimbursify to further streamline the process. Reimbursify allows you to upload your superbill, and they handle filing the claim and follow-ups for a small fee (around $1 per claim).[1]

More information about Reimbursify is below.

Call the customer service number on your insurance card and ask the following questions:[1]

- Does my plan provide reimbursement for out-of-network mental health care?

- Is there a separate deductible for out-of-network services?

- What percentage of out-of-network costs does my plan cover?

- Do I need pre-authorization for out-of-network services?

- Is there a limit on the number of reimbursable sessions per year?

- How do I submit for out-of-network reimbursement?

This will help you understand your specific out-of-network benefits and reimbursement process.

Most insurance plans now cover telehealth under out-of-network mental health benefits, but you can verify by asking if the following codes are covered: 90791-95, 90834-95, and 90837-95.[1]

- PPO (Preferred Provider Organization) plans generally reimburse a portion of out-of-network costs for mental health services once you meet the out-of-network deductible.[1]

- HMO (Health Maintenance Organization) plans like Kaiser typically do not provide out-of-network reimbursement unless you obtain a single case agreement.[1]

- EPO (Exclusive Provider Organization) plans typically do not reimburse for out-of-network providers.[1]

However, it's best to call your insurance to confirm their specific policies.

Yes, you can use funds from a Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy sessions at Arrive Therapy, just like using a debit or credit card.[1]

Reimbursement processing times vary by insurance plan. Call your provider's customer service line to inquire about their typical turnaround.[1]

Your insurance company will mail a reimbursement check directly to the mailing address they have on file for you, after you submit the superbill for your out-of-network therapy costs.[1]

For any other financial or insurance questions, please refer to the Arrive Therapy website or contact their staff directly.[1][2]

Reimbursify is a software platform that streamlines the process of submitting claims and getting reimbursed by insurance companies for out-of-network therapy sessions. It allows Arrive Therapy's clients to easily verify their coverage upfront, submit claims with minimal effort, and track reimbursements, potentially improving client retention. By automating the claims process, Reimbursify eliminates extra work for Arrive Therapy's therapists while helping clients access out-of-network care more conveniently.

[1] https://arrivetherapy.com/insurance

[2] https://arrivetherapy.com/meet-the-team

[3] https://www.meetnirvana.com/blog/maximize-out-of-network-insurance-reimbursement-for-therapy

[4] https://blog.zencare.co/guide-to-out-of-network-benefits/

[5] https://www.joinheard.com/articles/the-complete-guide-to-out-of-network-billing-for-therapists

[6] https://blog.opencounseling.com/out-of-network-therapist-tips/

[7] https://www.folxhealth.com/library/superbills-for-therapy-how-to-navigate-out-of-network-benefits