Insurance Coverage
Insurance Coverage
Insurance Coverage for Therapy – Understand Your Out‑of‑Network Options
At Connect Clinical Services, we operate as an out-of-network provider—but we help Houston clients access their full insurance benefits. With clear guidance and superbills, navigating insurance becomes easy and stress-free.
- Serving Houston, TX & all of Texas via secure telehealth
- Schedule your free 15-minute consult today
Why Private Pay
Why Private Pay + Insurance Works in Houston
Freedom & Quality
Access experienced therapists without network restrictions
Privacy First
Sessions remain confidential—no insurer involvement in care
Reimbursement Support
50–80% reimbursement after deductible with superbills
Streamlined Process
We assist you with codes, documentation, and claims
“I thought private pay meant full cost—but their superbill and Reimbursify process got me back over 60%!”
— Houston Client, Insurance Reimbursement Success
How Insurance Coverage for Therapy Works: Simple 4-Step Guide
01
Step
Check Your Out-of-Network Benefits
What You Do
Call the number on your card and ask for ‘behavioral health’ coverage. Confirm deductible, reimbursement %, and allowed fees.
How We Help
We provide a checklist and script for your call.
02
Step
Use Reimbursify or Your Insurer’s Portal
What You Do
Upload your superbill via Reimbursify ($3.99/claim) or follow your insurer’s steps.
How We Help
We draft the superbill with all necessary codes and info.
03
Step
Request and Receive a Superbill
What You Do
After each session, request a superbill detailing CPT codes, diagnosis, provider info, and date.
How We Help
Your therapist provides the superbill right away via secure email or client portal.
04
Step
Submit & Get Reimbursed
What You Do
Submit the superbill. Expect reimbursement within 1–3 weeks, depending on your plan.
How We Help
We stay available to answer questions until reimbursement is processed.
FAQ
Common Questions About Insurance Coverage for Therapy
Will my insurance really cover therapy?
Yes—clients typically receive 50–80% of an allowable session rate once the deductible is met. For example, if CCS charges $150 but your insurer’s allowable rate is $125 and covers 60%, you’d get $75 back—making your true cost $75.
Do all insurances allow superbills?
Most PPO or POS plans do. HMO plans usually don’t. We can help you check or find alternative solutions (like HSA/FSA).
How long does reimbursement take?
Using Reimbursify: about 1–3 weeks. Direct submission via provider portal: may take 2–6 weeks, depending on your insurer.
Is telehealth covered too?
Yes. Sessions conducted via video are eligible and operate the same as in-person services.
Houston Tip
Houston Tip: Maximize Your Benefits
- Use HSA or FSA cards to pay for private-pay sessions—they’re eligible treatment expenses
- Bundle sessions in a month to quickly reach your deductible and start claiming back reimbursements
- Call your insurer early to confirm coverage before starting therapy
