Therapists who accept Out-of-Network (Superbill Provided)

Using Out-of-Network (Superbill Provided) for therapy

Out-of-network (OON) is not a separate insurance carrier — it's a path that exists with most PPO and POS commercial plans. When a therapist is out-of-network with your specific insurance, you pay the therapist directly at the time of service, and the therapist provides a superbill (an itemized receipt with the diagnostic and procedure codes your insurance needs). You submit that superbill to your insurer, who reimburses you a percentage of the session fee depending on your plan's out-of-network benefits.

When out-of-network makes financial sense:

If your plan reimburses 50-70% of an out-of-network session and your out-of-network deductible is already met (or close to it), the effective cost difference between in-network and out-of-network can be small.

If the therapists who are in-network with your plan have months-long waitlists or don't have the specific specialization you need, out-of-network may be the realistic path to getting timely care.

If you want a specific therapist who only accepts private-pay or out-of-network, this is the structure.

When out-of-network doesn't make sense:

If you have an HMO or many Medicare Advantage plans that have no out-of-network benefit at all, you'd be paying full session fee with no reimbursement. Verify your specific plan before assuming.

If your out-of-network deductible is high and not close to being met, the early-year out-of-pocket cost will be substantial before any reimbursement kicks in.

If you're early in treatment and not sure how many sessions you'll need, out-of-network cost can add up faster than expected.

What therapists in this directory offer out-of-network billing varies — some accept only insurance, some only private-pay, some both. Many private-pay therapists will provide a superbill to support your out-of-network reimbursement attempt even though they don't bill insurance directly. If superbill support matters to you, mention it in the matching form.

Practical tips: Call your insurance member services and ask three questions before committing. Does my plan have out-of-network mental-health benefits? What's the reimbursement percentage for an out-of-network outpatient psychotherapy session (CPT 90834 or 90837)? Has my out-of-network deductible been met for the year?

Our intake coordinator can also help work through whether out-of-network is the right path for you given your specific plan.

To find a therapist who offers out-of-network billing or accepts private-pay, submit the matching form or browse the profiles below.