Sessions at In Good Energy are private-pay. Most clients with PPO plans receive partial reimbursement through their out-of-network mental health benefits. After every session, you'll receive a monthly superbill — the document insurance companies need to process your reimbursement. You submit it directly to your plan, and they reimburse you according to your policy's terms.

The exact amount depends on your specific plan, which is why it's worth ten minutes — before your first session — to verify your benefits.

This page walks you through how.

Before you call

Have these ready:

• Your insurance card (front and back)

• Your member ID number

• Something to take notes on (a notes app works, or pen and paper) — write down everything they tell you, including the rep's name, the date, and the time

How to reach your insurance company

Two ways, both fine:

By phone — call the member services number on the back of your card. By chat — most major plans have a chat function inside the member portal or mobile app. The advantage: you get a transcript you can save.

The questions to ask

Read these verbatim. The exact language matters; insurance reps respond best to specific terminology.

1. Do I have out-of-network mental health benefits for an outpatient Licensed Mental Health Counselor (LMHC)?Some plans cover only certain provider types. This confirms that LMHC services are eligible.

2. What is my out-of-network deductible, and how much of it has been met this year? Some plans have a separate mental health deductible apart from your general medical one — ask if yours does.

3. What is the reimbursement rate per session for the following CPT codes:

• 90791 — initial psychiatric diagnostic evaluation (your intake session)

• 90834 — 45-minute individual therapy

• 90837 — 60-minute individual therapy

• 90880 — clinical hypnotherapy

• 90847 — couples therapy with both partners present (if applicable)

4. Is the reimbursement rate different for telehealth versus in-person? Some plans pay differently for each.

5. What is the allowed amount per session for these codes? Some plans reimburse a percentage of an "allowed amount" they set, not your therapist's full fee. The allowed amount is what your reimbursement is actually calculated against.

6. Is pre-authorization required for out-of-network mental health services? Most plans don't require it for outpatient therapy, but it's worth confirming.

7. What is my out-of-pocket maximum, and what happens once I reach it? After your out-of-pocket maximum is met, many plans reimburse covered services at 100%.

8. How do I submit superbills, and how long does reimbursement typically take? Most plans accept superbills through the member portal or by mail. Ask whether they require an additional claim form, primary insurance information, or anything else.

What to do with the answers

Save everything in writing. Whatever the rep tells you, write it down — including the rep's name and the date of the call. If anything later doesn't match what you were told, you'll have documentation. Insurance companies sometimes give different answers on different days; the record protects you.

If anything is unclear, send me what you have and we'll make sense of it together at your consultation. The point of this isn't to put insurance on your shoulders alone — it's to make sure you know what to expect financially before we begin.

A quick glossary

Out-of-network (OON). Your plan covers care from this provider, but at a different rate than in-network providers. You usually pay upfront and get reimbursed afterward.

Deductible. The amount you pay out of pocket before insurance starts reimbursing. OON deductibles are often separate from your in-network deductible.

Allowed amount. The dollar figure your plan considers "reasonable" for a given service. Reimbursement is calculated against this number, not the actual fee.

Reimbursement rate. The percentage of the allowed amount your plan pays back to you. Typically 50–80% once your deductible is met.

Superbill. An itemized receipt with diagnosis and CPT codes that you submit to your insurance for reimbursement.

CPT code. The standardized billing code that tells insurance what kind of service was provided.

Out-of-pocket maximum. The annual cap on what you can be required to pay. Once you reach it, most plans cover 100% of eligible services.

A note

Reimbursement is between you and your insurance company. In Good Energy provides accurate, timely superbills so the process is as smooth as possible, but coverage and reimbursement amounts are determined by your plan. Verifying your specific benefits before treatment ensures there are no surprises.