How to submit a superbill to insurance

Your therapist gave you a superbill. Here is how to turn it into a reimbursement, step by step.

1. Check your out-of-network benefits

Call the member services number on your insurance card, or look in your member portal. Ask:

• Do I have out-of-network benefits for outpatient mental health?
• What is my out-of-network deductible, and how much have I met?
• What percentage do you reimburse, and what is the allowed amount for CPT code 90837 (or the code on your superbill)?
• How long do I have to submit a claim after the date of service?

2. Get your insurer's claim form

Most insurers have a member reimbursement or “medical claim” form on their website, and many let you upload documents directly in the member portal or app. Use the form for medical or behavioral health claims, not the dental or pharmacy one.

3. Fill in the form and attach the superbill

Copy your member ID exactly as it appears on your card. Attach the superbill. You usually do not need to retype the codes; the superbill carries them. Make sure the superbill shows your therapist's NPI, the diagnosis code, a CPT code for each session and the amount you paid.

4. Submit and keep copies

Upload through the portal, or mail or fax the form if your insurer requires it. Keep a copy of everything and note the date you submitted.

5. Watch for the Explanation of Benefits

The insurer will send an Explanation of Benefits (EOB) showing what it allowed, what counts toward your deductible and what it paid. Processing often takes a few weeks.

If the claim is denied

• Missing information: ask your therapist for a corrected superbill and resubmit.
• Deductible not met: nothing is paid yet, but the amount counts toward your deductible. Keep submitting.
• No out-of-network benefits: your plan won't reimburse; ask about a single case agreement or an in-network option.
• You disagree: you have the right to appeal. The EOB explains how.

This guide is general information, not insurance or legal advice. Rules vary by plan.