Paying for Therapy

SunPath is an out-of-network practice, allowing us to provide therapy that's guided by your needs rather than insurance requirements.

This means greater flexibility, more privacy, and the freedom to tailor treatment to your unique goals.

Many clients receive partial reimbursement from their insurance plan for therapy sessions.

Instead of billing your insurance directly, you pay for each session at the time of your appointment. We provide a monthly superbill that you can submit to your insurance company for reimbursement.

Using Your Out-of-Network Benefits

How It Works

Insurance companies usually reimburse a percentage of their allowed amount, not necessarily the full session fee.

For example:

  • Session fee: $165

  • Insurance allowed amount: $125

  • Reimbursement: 80% of $125 = $100

  • Your final cost: $65

The exact amount depends on your individual insurance plan.

Please Note: Most HMO plans, Medicare, Medicaid, and TRICARE generally do not provide reimbursement for out-of-network therapy. If you're unsure about your coverage, your insurance company can help clarify your benefits.

We Make It Easy

On the first of the month, we provide you with a superbill containing all of the information your insurance company typically requires for reimbursement, including diagnosis and billing codes.

Most insurance companies allow you to submit superbills online through their member portal.

How to Find Out If You're Covered

Call the customer service number on the back of your insurance card and ask:

✓ Do I have out-of-network mental health benefits?

✓ Do I have an out-of-network deductible? If so, how much remains?

✓ What percentage do you reimburse for outpatient psychotherapy after my deductible is met?

✓ What is your allowed amount for CPT code 90837 (individual therapy) or 90847 (couple & family therapy)?

Frequently Asked Questions

  • No. We are an out-of-network, fee-for-service practice, which means we don't bill insurance directly. If your plan includes out-of-network mental health benefits, you may be eligible for reimbursement. We'll provide the documentation you need to submit your claims.

  • Call the customer service number on the back of your insurance card and ask whether your plan includes out-of-network mental health benefits. We recommend asking about your deductible, reimbursement percentage, and the allowed amount for CPT code 90834.

  • A superbill is a detailed receipt for your therapy sessions that includes the information your insurance company typically requires to process reimbursement, including diagnosis and billing codes. We'll provide one each month that you can submit to your insurance company.

  • Every insurance plan is different. Some plans reimburse a percentage of the session fee, while others reimburse a percentage of their own "allowed amount." The easiest way to find out is to call your insurance company and ask about your out-of-network mental health benefits.

  • No. You'll pay for your sessions at the time of service, and we'll provide a monthly superbill that you can submit for reimbursement.

  • In many cases, yes. Therapy is often an eligible expense for Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). We recommend confirming your specific benefits with your plan administrator.

  • Choosing to remain out of network allows us to focus on your care rather than insurance requirements. Insurance companies often require a mental health diagnosis, may limit the number or type of sessions they'll cover, and can influence treatment decisions. By remaining independent, we're able to tailor therapy to your needs—not your insurance company's policies.

  • Working with an out-of-network therapist offers greater privacy, flexibility, and personalized care. Together, we decide how often to meet, how long therapy lasts, and what approaches best fit your goals, without needing insurance approval. If your plan includes out-of-network benefits, you may also receive partial reimbursement while maintaining that flexibility.