Out-of-Network: Get Reimbursed for Your Mental Health Care
At FamilyTime Centers, we believe you shouldn't have to choose between quality care and insurance coverage. If we are not in-network with your insurance provider, you may still be eligible for partial reimbursement through your out-of-network benefits.
Understanding Out-of-Network Coverage
When a therapy provider is "out-of-network," it means we don't have a direct contract with your insurance company. However, most PPO plans offer some level of coverage for out-of-network mental health services, especially when provided by licensed therapists like our LMFTs, LCSWs, and psychologists.
How Out-of-Network
Reimbursement Works
Pay for Your Session
Receive Your Superbill
We email you a detailed Superbill within 24 hours of your session.
This itemized receipt includes all the information your insurance company needs:
Session date, duration (53 minutes), and fee
CPT code (90837 for individual therapy, 90847 for couples/family therapy)
Diagnosis code (when applicable)
Therapist license number and NPI
Practice information
Submit for Reimbursement
Log into your insurance provider's member portal and submit the Superbill through their claims section. Most insurance companies process out-of-network claims within 2-4 weeks.
Our Session Fees
Individual Therapy
$150 per 53-minute session
Perfect for addressing personal challenges including anxiety, depression, trauma, life transitions, grief, self-esteem issues, and personal growth. Our individual sessions provide a safe, confidential space to explore your thoughts, feelings, and behavioral patterns with a licensed therapist.
Couples Therapy
$200 per 53-minute session
Designed for couples at any stage of their relationship who want to improve communication, resolve conflicts, rebuild trust, navigate major life changes, or strengthen their emotional connection. Whether you're dating, engaged, married, or considering separation, couples therapy can help.
Family Therapy
$200 per 53-minute session
Ideal for families dealing with communication breakdowns, behavioral issues, major transitions (divorce, remarriage, relocation), grief and loss, or multi-generational conflicts. Family sessions can include parents and children, extended family members, or any combination that serves your family's healing process.
Typical Reimbursement Amounts
While reimbursement varies by insurance plan, many of our clients receive:
50-80% reimbursement for individual therapy after meeting their deductible
Similar reimbursement rates for couples and family therapy
Some clients report receiving up to 90% reimbursement with excellent PPO coverage
Ready to get started? Contact us today to schedule your first session and learn more about maximizing your out-of-network benefits.
Common Questions
Have more questions? Visit our comprehensive FAQ page for detailed answers about insurance coverage, payment options, and getting started with therapy.
