Rates, insurance, and payment options.

Superbills

A superbill is a detailed receipt that includes the information many insurance companies require for out-of-network reimbursement. If Rainbowtopia Counseling is not in-network with your plan, you may be able to submit a superbill to your insurance company and request reimbursement.

Important notes:

• • Reimbursement is not guaranteed.
• • Each insurance plan has its own rules.
• • Some plans reimburse a portion of out-of-network therapy; some do not.
• • You are responsible for checking your benefits directly with your insurance company.

Questions to ask your insurance plan:

• • Do I have out-of-network mental health benefits?
• • What is my deductible? Has it been met?
• • What percentage of therapy is reimbursed after the deductible?
• • Is telehealth covered? Is couples therapy covered?
• • Is there a session limit? Do I need prior authorization?
• • How do I submit a superbill?

Private pay, superbills, and tax documentation

If you pay out of pocket for therapy, your payment records may be useful beyond the therapy room. In some cases, clients may be able to use superbills or payment documentation for insurance reimbursement and/or tax documentation.

Some people who itemize deductions may be able to include certain unreimbursed medical expenses, including mental health expenses, when filing their taxes. Whether this applies depends on your individual financial situation, insurance reimbursement, income, and tax filing status.

Rainbowtopia Counseling cannot provide tax advice. Please speak with a qualified accountant or tax professional to understand whether therapy expenses, superbills, or other medical expenses may apply to your tax filing.

Good Faith Estimate

Private pay and out-of-network clients may be entitled to a Good Faith Estimate of expected charges. This can be discussed before services begin.