Insurance & Superbills

At Relucent Psychology Group, we offer out-of-network therapy for individuals, couples, teens, and children. While we do not contract directly with insurance companies, many clients are able to use their out-of-network mental health benefits and receive partial reimbursement for therapy.

This page explains why we’ve chosen this model of care, how it may benefit you, and how superbills for therapy work – step by step.

Why We’re an Out-of-Network Therapy Practice

We’ve made a thoughtful decision to remain out of network so we can provide care that’s clinically sound, ethically grounded, and centered on you – not insurance requirements.

As an out-of-network provider, we’re able to offer:

• Greater privacy and confidentiality
  Insurance companies often require access to diagnoses, treatment plans, and progress notes. Being out of network limits unnecessary third-party involvement.
• Care guided by clinical need, not coverage rules
  Insurance frequently places limits on session frequency, duration, or approach. We believe therapy should move at the pace that’s right for you.
• Flexibility in treatment approach
  Our therapists can integrate EMDR, IFS-informed therapy, relational and depth-oriented work, and longer-term care without insurance restrictions.

How Out-of-Network Therapy Can Benefit You

Many people are surprised to learn that out-of-network does not mean “no insurance help.”

Depending on your plan, you may be able to:

• Receive partial reimbursement for therapy sessions
• Apply session fees toward an out-of-network deductible
• Choose a therapist based on fit and specialization, not network status
• Avoid abrupt limits on care or forced treatment timelines

For many clients, the combination of reimbursement, continuity of care, and personalized treatment makes out-of-network therapy a meaningful investment in their mental health.

What Is a Superbill for Therapy?

A therapy superbill is a detailed receipt you can submit to your insurance company if you have out-of-network mental health benefits.

A superbill typically includes:

• Provider name, license, and NPI number
• Dates of service
• Session fees
• Diagnostic and service codes required by insurance

Submitting a superbill does not guarantee reimbursement, but it allows your insurance company to review your claim.

How the Superbill Process Works

How Much Will Insurance Reimburse?

Reimbursement amounts depend entirely on your individual insurance plan. Coverage varies widely, even within the same carrier.

To understand your benefits, we recommend calling the number on the back of your insurance card and asking the questions below.

Questions to Ask Your Insurance Provider

• What are my out-of-network mental health benefits?
• Do I have an out-of-network deductible, and how much is it?
• What amount or percentage is reimbursed per therapy session?
• How many sessions does my plan cover per year?
• Is there a maximum allowable amount per session?
• Is pre-authorization required?
• Do I need a referral from my primary care physician?

A Note From Our Team

This page was written by the clinicians and leadership at Relucent Psychology Group, based on our real experience navigating insurance questions with clients every day. We believe transparency matters – especially when it comes to finances, access to care, and helping you make informed decisions about your mental health.

Considering Therapy, but Unsure About Insurance?

You don’t need to have everything figured out before reaching out. If you have questions about out-of-network therapy, superbills, or whether this approach feels right for you, we’re happy to talk it through.

You deserve care that feels thoughtful, supportive, and aligned with your needs.
We’re here to help you take the next step – at your own pace.