What Are My Therapy Billing Options? Common Therapy Billing Explained

While searching for a great therapist, you should always look for a good fit in terms of personality and therapeutic style - but when it comes down to it, we know you're also considering logistics like cost, fees, and billing options.

We’ve combined information about three different billing types for you to make it easy to think through the financial aspects of starting therapy and what your responsibilities will be throughout your therapy journey. Read on to learn more about direct, super, and courtesy payments!

What different billing options are there?

There are a few different ways to pay for your therapy, each with their own pros and cons. Here are the main three payment types common to therapy when you're using insurance benefits:

How do I know which billing option I’m eligible for?

It depends on what your situation is! As you’re looking for therapists, the first factor is whether they are in-network or out-of-network with your insurance plan. This will determine if you’re eligible for a direct billing option. If your therapist is out-of-network, check your Summary and Benefits to see what your coverage is - if you still have coverage for mental health, then you’ll be eligible for super billing or courtesy billing. The final step is to speak with your therapist about how billing works in their practice!

If you don't have out-of-network coverage, and you can't find someone who is in-network, you can always look for sliding scale therapists who offer lower fees for sessions!

Which billing option is right for me?

If you’re eligible for the these three billing options, there are a few considerations to make when picking which one to use with your therapist:

People don’t often think of billing options when they start therapy. It’s a behind-the-scenes component, however, and it might be helpful for you to understand the different types of billing that are out there. Next time you’re speaking with a prospective therapist, ask them which billing options they have - and use this information to help make your decision!