How to Use a Super Bill for Potential Reimbursement in Therapy

Starting Therapy

By Elizabeth Mahaney, LMHC, MFT, CCTP, NCC, Ph.D.

Learn all about leveraging a super bill to maximize insurance reimbursement for your counseling sessions at South Tampa Therapy.

Counseling is a vital investment in your mental health, well-being, and interpersonal connections. If you're curious about utilizing insurance coverage for therapy, continue reading to discover our FAQs or reach out to us at 813-240-3237.

How to Utilize Insurance with South Tampa Therapy:

At South Tampa Therapy, we only accept United, Aetna, and Cigna. We also presently do not accept insurance directly from any other insurance company. Instead, clients pay for online or in person therapy sessions upfront, with charges processed via their card on file. As an out-of-network provider, reimbursement isn't guaranteed unless explicitly outlined in your policy. However, we provide a super bill for potential partial reimbursement. Before commencing services, we advise contacting your insurance to inquire about out-of-network coverage. Should you prefer an in-network provider, we're happy to assist with referrals.

Key Questions to Ask Your Insurance Before Starting with South Tampa Therapy:

Contact your insurance's member services and inquire about out-of-network coverage for telehealth mental health services. Clarify:

• Deductible status and amount remaining.

• Coverage limit for sessions annually.

• Reimbursement rates for CPT codes 90834 and 90837.

• Coverage for Z codes pertaining to couples therapy.

• Co-payment details (if applicable).

• Requirements for prior authorization or primary care provider approval.

• Super bill submission process, including deadlines.

• Correct address for reimbursement checks.

Understanding the Super Bill:

A super bill serves as a detailed record of therapy services received, facilitating potential reimbursement. It must include:

• Client and therapist details.

• Statement number and issuance date.

• Diagnosis and corresponding code.

• Service specifics and fees paid.

Points to Consider Before Submitting a Super Bill:

• Reimbursement necessitates a clinical diagnosis from DSM–5 or ICD-10.

• Couples therapy may not be reimbursed by insurance due to diagnostic requirements.

• Discuss any diagnosis-related concerns with your therapist.

Submitting Your Super Bill:

Most insurers mandate submitting super bills within 90 to 180 days to meet timely filing requirements. Options include:

1. Mail: Obtain the insurer's mailing address and allow ample time for delivery.

2. Fax: Ensure privacy by avoiding public or work fax machines.

3. Online Portal: Utilize the insurer's secure portal for faster submission.

Post-Submission Expectations:

Insurers typically take 2-4 weeks to process super bills. Reimbursement may cover session costs minus co-pays or contribute towards deductibles. In case of denial, contact your insurer for clarification.

By optimizing your understanding of super bills and insurance processes, you can navigate potential reimbursement for therapy sessions effectively. For further assistance, reach out to South Tampa Therapy 813-240-3237.

Strength in Seeking Help: Debunking the Stigma Surrounding Therapy

In a world that often emphasizes self-reliance and stoicism, it's not uncommon for people to view seeking therapy as a sign of weakness or personal failure. The truth, however, is far from this misconception. Therapy is not a testament to one's weakness or defectiveness; rather, it is an act of courage and strength. In this blog post, we aim to debunk the stigma surrounding therapy and highlight why seeking help is not a sign of weakness, but rather a powerful step towards self-improvement and emotional well-being.

Understanding the Stigma

Before we delve into the reasons why therapy is not weak, let's address the stigma that surrounds it. This stigma often stems from misconceptions about mental health and the belief that admitting you need help equates to admitting weakness. In reality, mental health struggles are incredibly common, and seeking therapy is a proactive and responsible way to address them.

Acknowledging Vulnerability is a Sign of Strength

One of the most significant misconceptions about therapy is that it's only for those who can't handle their problems on their own. This couldn't be further from the truth. In reality, therapy is a space where individuals can explore their feelings, vulnerabilities, and challenges with the guidance of a trained professional. Acknowledging that you have vulnerabilities and are willing to work on them takes immense strength.

Therapy Promotes Self-Reflection

Therapy provides an opportunity for deep self-reflection and personal growth. It encourages individuals to confront their fears, past traumas, and unresolved issues. This introspective journey is an essential part of personal development and is far from a sign of weakness. It takes immense courage to face one's own demons and work towards a better, healthier self.

Developing Coping Skills

Life is full of challenges, and no one is immune to stress, anxiety, or difficult experiences. Therapy equips individuals with valuable coping skills and strategies to navigate these challenges effectively. Seeking help to learn how to cope with life's ups and downs is a proactive and intelligent decision, not a sign of weakness.

Overcoming Social and Cultural Stigmas

Society often perpetuates the myth that seeking help for mental health issues is a sign of weakness. This cultural stigma can be particularly harmful, as it discourages individuals from seeking the support they need. However, as more people openly discuss their experiences with therapy and mental health, these stigmas are gradually eroding. Choosing therapy contributes to this positive change and helps break down harmful stereotypes.

The Courage to Heal

Many individuals who seek therapy have experienced significant trauma or difficult life events. The courage it takes to confront past traumas, heal emotional wounds, and work towards a brighter future is a testament to inner strength. It is a decision to actively reclaim one's life and well-being, not a sign of weakness.

Therapy as a Preventive Measure

Therapy isn't just for crisis moments; it's a valuable tool for maintaining good mental health and preventing future issues. Regular therapy sessions can help individuals build emotional resilience, improve self-awareness, and develop healthy relationships. Proactively investing in your mental health is a powerful choice that demonstrates strength and wisdom.

A Supportive and Confidential Environment

Therapists provide a safe and confidential space for individuals to share their thoughts and feelings without fear of judgment. This environment fosters trust and allows individuals to explore their emotions honestly. Seeking this kind of support is a responsible and brave act.

In conclusion, seeking therapy is not a sign of weakness; it's a testament to courage, self-awareness, and a commitment to personal growth. The stigma surrounding therapy is rooted in misconceptions about mental health and outdated stereotypes. By choosing therapy, individuals demonstrate their strength in acknowledging vulnerability, promoting self-reflection, developing coping skills, and actively working towards a better future.

It's time to debunk the myth that seeking help is a sign of weakness. Instead, let's celebrate those who have the courage to heal, the wisdom to invest in their mental health, and the strength to seek therapy. In doing so, we can collectively contribute to a society that values mental health and understands that seeking therapy is an act of bravery, not weakness.

By Kaitlin Lowey: Book with her here: https://SouthTampaTherapyBOOKAPPT.as.me/KaitlinLowey

Preparing for the Climb: What to expect in your first therapy session

Congratulations on scheduling your first counseling appointment! If this is your first time in therapy, you may be wondering what it’s going to be like that first appointment. Even if it’s not your first venture into counseling, it’s helpful to know what to expect with your new counselor (me). 

I like to think of undertaking therapy as similar to climbing a mountain. Just like the steps one takes to prepare for an intense climb, the therapy process starts with gathering information, taking stock of your equipment/tools, and making a plan. Using this metaphor, let’s talk about the first step in therapy: the intake appointment. 

Step 1: Meet your climbing partner 

Climbing a mountain is hard work. It helps to take a climbing partner with you – ideally someone who has climbed before and is dedicated to walking with you through the most challenging parts. The same is true with counseling. During your first session, I will introduce myself to you and go over a few important details about the counseling process. 

A little bit about your climbing partner/therapist: Right now I am a Supervised Therapist at South Tampa Therapy, which means I am counseling under the supervision and licensure of Dr. Elizabeth Mahaney while I finish up my final 18 weeks of my Masters in Counseling program Northwestern University. (Previously, I spent 12 years working in corporate America.) My current education has qualified and prepared me to counsel individuals, couples, and families experiencing a variety of life challenges, and over the past year I have accumulated 1,000 hours of experience in clinical mental health settings. I take a collaborative, integrative, and holistic approach, which means I look at the whole person and pull in evidence-based tools from various counseling theories based on what we both believe will be most helpful for you. (Approaches I often use for individuals include Acceptance and Commitment Therapy (ACT), Cognitive Behavioral Therapy (CBT) including Exposure with Response Prevention (ERP), Narrative, Internal Family Systems, and Psychodynamic; for couples, I also use Gottman and Emotion-Focused Therapy.) 

Step 2: Learn about the climb

A climber needs to be informed about the mountain they are climbing, including any risks, benefits, requirements, and special considerations. You should know the same at the outset of your counseling journey. During the first session, I will tell you what counseling is, what you can generally hope to accomplish, any risks, and what the process will entail. Counseling is a collaborative process aimed at helping clients achieve mental health and wellness. It takes work on the part of the therapist and the client. Together, we will identify goals, gain insight, work through challenges, and practice new skills. If you are here for couples counseling, we will develop insight into what is underlying any relationship problems and then work to heal wounds, resolve conflict, and improve communication. 

Now, about the risks. While counseling is successful for many people, like any endeavor, there is not 100% certainty. It might not be the right time to climb the mountain, or I might not be the best climbing partner for you – and that’s ok if we find that out! I want the best for you. Also, talking about hard things can bring up difficult emotions – similar to training your muscles for a long climb, you may experience some emotional “soreness” along the way. That is why your counselor is here to train alongside you – so you’re not facing the journey alone!

Another important aspect of the therapy process is confidentiality and its limits. Confidentiality is of utmost importance to me, and I am also bound by law and my professional ethics to uphold it. Everything we talk about in session will stay in session. I may seek supervision from my supervisor (who is also bound by confidentiality) on aspects of your case to ensure I am providing the best possible care. There are only a few instances where I would be required by law to break confidentiality: if I believe you are going to harm yourself or another person, if there is suspected abuse of a child or vulnerable adult, or if my court records were to be subpoenaed (which is highly unlikely). 

Beyond confidentiality, we will cover policies and communication expectations – things like what to do if we run into each other out of the therapy room, how to get in touch between sessions, and cancellation/rescheduling expectations. I highly encourage questions about anything – I want you to feel confident and comfortable as we begin the journey. 

Step 3: Check equipment and readiness level

Embarking on a mountain climb without checking one’s equipment (what you bring with you) and readiness levels would not likely result in a successful outcome. My goal for counseling is to help you achieve your goals. And in order to do that, I need to get to know what you’re bringing with you in your emotional backpack! That’s why this first session will be more question-heavy than other sessions we will have together (where you will be doing most of the talking). I will ask you about your health, family history, and what symptoms you’re currently experiencing. Since we’re shaped by both nature (our genetic makeup) and nurture (family, community, experiences, and global events and messages), gathering information about these topics helps us get a sense of how these factors may be impacting you. Most importantly, I’ll ask what brings you to counseling now and what you’re hoping to get out of it. I may also administer one or more assessments that we can come back to over the course of treatment to check on progress. 

Step 4: Map out the journey 

During our first session, we’ll start to hone in on goals for our time together – you might think about it like determining which mountain (or mountains) we want to climb, how frequently it makes sense to train, and a goal for how quickly we can reach the top. Each person has unique goals. For instance, a goal may be to reduce the frequency, intensity, and duration of anxious  thoughts and feelings. Perhaps it could be to find clarity on a difficult, stressful decision. Or maybe it could be to improve communication in a relationship, process through a trauma, grieve a loss, or increase self-esteem. It’s possible that the goals will start out more general and become more specific as we gain more clarity on symptomatology. As we dive deeper, they may also shift. We might even add additional goals along the way! 

Goals are important because they provide direction for our work together. They also let us know if we’re on the right track or if we need to switch approaches. Finally, if we are successful during our time together, our goals will help inform when it’s time to begin winding down our sessions. 

With our goals set, we will discuss how frequently we want to meet (I usually recommend weekly to start with) and set our next appointment time. I may also ask you if you are ok with taking part in “practice” (which I find is a more palatable word than “homework”) between the intake and the next session. This could be, for example, reading a brief article, tracking your thoughts and feelings, journaling, or trying out a new coping tool. We can both expect to leave the intake with an idea of where we’ll be headed in therapy as well as what we’ll focus on in the next session. 

What to keep in mind when beginning counseling

Embarking on the counseling journey is a big decision – akin to standing in front of a tall mountain and making the decision to climb it. And the intake session is sort of like meeting your climbing partner for the first time, taking stock of your equipment, and mapping your route before the journey. It’s ok to feel a little nervous at this stage. It makes sense – talking about hard things and putting in the work is difficult! But know that as a counselor I am there with you, creating a nonjudgmental space to feel, process, and work through the most difficult parts of your experience. It’s so much easier to climb when you know you’re not doing it alone. And the view at the top? Well, it’s pretty spectacular.

Book with author of this blog post, Kaitlin Lowey, here: https://SouthTampaTherapyBOOKAPPT.as.me/KaitlinLowey