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Gavin HamnettMS, LMHC
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Paying privately without giving up your benefits

How a superbill works if your plan covers out-of-network therapy and you want to see me directly.

Request a free consultation
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Who This Is For

You may still have help with the cost. Some plans, often PPO plans, include out-of-network benefits. A superbill is how you use them.

Here is the short version. You pay my fee for each session. I give you a superbill, which is an itemized receipt with the details your insurer asks for. You send it in, and your plan reimburses you for whatever share it covers.

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What You Need to Know

  • What a superbill is

    A detailed receipt listing your session dates, the service, my fee, and my license information.

  • Who it suits

    People with out-of-network benefits who want to choose their own therapist.

  • What to ask your plan

    Whether you have out-of-network benefits for therapy, what your deductible is, and what share they pay back.

  • What it costs up front

    $160 per 55 minute session, paid by you, with any reimbursement coming from your insurer afterward.

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How to Check Your Benefits

Before we start, I suggest calling the member services number on your insurance card. Ask whether your plan covers out-of-network individual therapy with a licensed counselor, how much of your deductible is left, and what portion of the fee they reimburse once it is met. Ask, too, how they want claims sent in.

Every plan is different, so I can't tell you what yours will pay back. What I can do is give you clear paperwork and answer questions about it. For some people, reimbursement makes private pay workable.

More about my approach
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What Sessions Look Like

  1. Call your insurer

    Ask about out-of-network benefits for therapy, so you know roughly what to expect.

  2. Talk it over with me

    On the free 20 minute phone consultation, we can go over fees and paperwork together.

  3. Send in your superbills

    Submit each one the way your plan asks, and they reimburse you according to your benefits.

What Can Shift

Money questions can quietly stop people from starting. I would rather we talk about them plainly at the beginning, so that in our sessions your attention can go where it belongs, on you.

Rates in Brief

Sessions are $160 for 55 minutes. The first step is a complimentary 20 minute phone consultation.

Rates
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Questions People Ask

Will my plan reimburse me?

That depends entirely on your plan. Your insurer is the only one who can tell you what they will cover and how much.

Does a superbill include a diagnosis?

Insurers may require clinical information, including a diagnosis code, when reviewing reimbursement requests. If you have questions about what that means for you, ask me on the consultation call.

Is the fee the same for telehealth?

Yes. It is $160 for 55 minutes, whether we meet in Rhinebeck, in Hudson, or by telehealth anywhere in New York State.

Related Pages

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Rates

Fees and scheduling details for individual therapy in Rhinebeck, Hudson, and by telehealth.

Read more
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Start With a Free Consultation

Send me a short message and I'll set up a free 20 minute phone call.

Request a free consultation (845) 532-8336