Reimbursement's a hassle. We're here to help.

We get it: therapy isn’t cheap. We’re here to conquer your insurance woes. If you have a PPO insurance policy or out-of-network benefits, Hubpsych will handle your reimbursement to make your care more affordable. Our automated billing process enables us to submit your insurance claim within 48 hours of your therapy session, so you can get paid quickly and hassle-free. 

 

We’ll also submit your first 2 claims for free — no questions asked! Subsequent claims cost $8.50/claim, supporting us in working to make therapy more affordable.

1

2

Upload your bill

and insurance card

3

Get paid!

Upload your bill and insurance card.

Medical Insurance Terms and FAQs

Medical insurance is unnecessarily complicated. We’re here to simplify it for you. Here’s a list of terms and frequently asked questions. Feel free to drop us a line or type out a question into our chat box below for more info!

What's the difference between a PPO and an HMO?


A Preferred Provider Organization (PPO) is an insurance policy that enables its members to
see healthcare providers out of network — often at a greater cost. Utilizing a PPO offers members greater flexibility in seeing specialists, allowing access to a licensed mental health professional of your choosing. With a PPO, a client may be required to cover out of pocket expenses for their therapy upfront with insurance reimbursing some or all costs.
An Health Maintenance Organization (HMO) is a tightly controlled network of medical and
healthcare professionals designed to increase affordability and regulate the providers that
members have access to. In utilizing a HMO policy, members are required to seek the care of providers within network and, in some cases, may require a referral to see a specialist from their Primary Care Provider (PCP).




What's the difference between a deductible and co-insurance?


Traditionally, insurance companies require members to cover a certain percentage of their healthcare expenses before they begin covering the costs. This amount is known as a deductible and varies widely by insurance plan and company. That being said, it is important to know how much you may be responsible for and when you’ll meet your deductible while searching for care. Once your deductible is met, you'll begin sharing costs with your insurance. You’ll be responsible for co-insurance payments in accordance with your policy. It is important to keep in mind that plans often have different co-insurance responsibilities for in and out of network benefits. Generally, co-insurance can range from 20% - 40% of the costs of your care. For example: if a session of therapy costs $150 and you have a 30% co-insurance obligation, you’ll be responsible to pay $45 per session until the remainder of your out of pocket expense is fully met.




What is a superbill?


Within the Los Angeles mental health community, clinicians are often left without the resources or ability to bill your therapy claims to insurance themselves. Typically, your clinician will provide you with a superbill or a receipt of services for submission to your insurance company. The process is not overly complicated, but can make the reimbursement process complicated and tedious. At Hubpsych, we’re prepared to support you in the reimbursement process and are commited to bringing down your out of pocket therapy costs. Completing the form above to start the process with us!




How much of my costs will insurance cover?


We’ve seen lots of insurance claims, so we have an accurate sense of what your insurance is likely to reimburse for your care. In our experience, insurance companies generally cover between $100 - $140 per 50-minute psychotherapy session. That means that if you’ve already fulfilled your out of pocket maximum, insurance will contribute roughly $120 toward your therapy session.




What is an Explanation of Benefits (EOB)?


An EOB is an electronic or paper correspondence that your insurance company will send to you after it has reimbursed or processed your session. An EOB will provide information in regards to what your insurance company is willing to cover, what your responsibility for co-payments and co-insurance are, and whether or not your therapy has been approved by your insurer. Hubpsych will provide you with regular summaries of your your EOB, where applicable.




I've heard balance bill horror stories...


Balance bills are no fun. Balance billing occurs when a client sees an out of network
provider and is left with unexpected and often large charges. We screen our
providers ahead of time to ensure that their billing practices meet high standards and are client-friendly — the Hubpsych billing process is built on principles of transparency, affordability, and accessibility.