Paying for therapy out of pocket can feel a little confusing—especially when you hear terms like “superbill” or “out-of-network benefits.” At McNulty Counseling and Wellness, we want to make things easier. That’s why we’re breaking it all down in a simple, friendly way. We’ll also introduce you to Mentaya, a tool that helps you get money back from your insurance company—and the best part? We pay for it, so there’s no cost to you! Understanding superbills can help streamline the reimbursement process.

Let’s dive in.

What Is a Superbill and Why Is It Important?

Superbills play a crucial role in navigating your out-of-pocket therapy expenses.

A superbill is a fancy name for a detailed receipt. It lists important information about your therapy session, including:

• Your name
• Your therapist’s name and credentials
• The date and time of the session
• A special code (called a CPT code) that explains the service provided
• The cost of the session
• A diagnosis code (if applicable)

Why do you need this? Because if your insurance company offers out-of-network benefits, they’ll often need this document to reimburse you. Think of it like a golden ticket that may help you get some of your money back.

When Do You Use a Superbill?

If you’re paying out of pocket for therapy—meaning you’re not using insurance up front—but your insurance plan includes out-of-network mental health benefits, you might be eligible to submit a superbill.

Here’s a quick example:

Let’s say you see your therapist at McNulty Counseling and Wellness and pay $175 for your session. You submit a superbill to your insurance provider. If your plan covers 50% of out-of-network therapy, your insurance company might send you a check for $87.50. That means you only ended up paying $87.50 out of pocket!

It doesn’t happen overnight, but it can make therapy more affordable over time.

How to Submit a Superbill Without Losing Your Mind

Okay, so you’ve got your superbill. Now what?

1. Log into your insurance account. There’s usually a spot to submit claims.
2. Upload or mail your superbill. Follow your insurance company’s instructions carefully.
3. Wait for reimbursement. This part takes time—usually a few weeks.

Sound a little tedious? You’re not alone. That’s where our friend Mentaya comes in.

What Is Mentaya and How Does It Help With Superbills?

Mentaya is like your personal assistant for handling superbills. It was built to help therapy clients save time, get money back, and avoid the hassle of dealing with insurance companies.

Here’s what Mentaya does for you:

• Checks your out-of-network benefits so you know how much you could get reimbursed
• Submits your superbills automatically so you don’t have to
• Tracks your claims so you can see where your money is

It’s simple, fast, and makes therapy reimbursement way less frustrating. And the best news? At McNulty Counseling and Wellness, we cover the cost of Mentaya for you. That’s right—free of charge.

How to Use Mentaya with McNulty Counseling and Wellness

We’ve made it super easy to get started.

Step 1: Start Therapy With Us

First, you book a session with one of our therapists and pay our standard out-of-pocket rate. Don’t worry—our friendly admin team can help you get set up.

Step 2: Get Linked with Mentaya

After your session, you’ll receive an invite to join Mentaya (if you want to use it). It’s completely optional, but totally worth it if you want to get reimbursed.

Step 3: Mentaya Works Its Magic

Mentaya will collect your superbills and submit them for you. You’ll get updates along the way, and hopefully a reimbursement check in the mail soon!

Common Questions About Superbills and Mentaya

1. What if I don’t know if my insurance has out-of-network coverage?

No problem! Mentaya can run a benefits check for you. Check your out-of-network coverage HERE.

2. How much money can I get back?

It depends on your plan. Some reimburse 30%, others up to 80%. Mentaya’s benefits check will give you a good idea.

3. Will my insurance company approve every claim?

Sadly, not always. But Mentaya helps improve the chances by submitting everything correctly the first time.

4. Do I have to use Mentaya?

Nope! You can submit your own superbills if you’d rather. Mentaya is just an easier option, and it’s totally free for McNulty Counseling and Wellness clients.

5. Do I still pay my therapist up front?

Yes, you’ll still pay for each session at the time of service. If you’re reimbursed, your insurance company sends you the money directly.

Why McNulty Counseling and Wellness Offers Mentaya for Free

We believe that mental health care should be affordable and accessible. While we don’t accept insurance directly, we know many of our clients want to use their out-of-network benefits. But we also know how stressful insurance paperwork can be.

That’s why we’ve partnered with Mentaya—and why we cover the cost entirely for our clients. When therapy feels complicated, our job is to simplify. So you can focus on what matters: feeling better, one session at a time.

Final Thoughts: Superbills + Mentaya = Less Stress, More Support

Therapy is an investment in yourself. And while paying out of pocket might feel overwhelming, it doesn’t have to be. With a superbill, your insurance may be able to help. And with Mentaya, you don’t have to jump through hoops to get that help.

At McNulty Counseling and Wellness, we’re here to support you every step of the way. Whether it’s with our skilled therapists or our no-cost Mentaya service, we want therapy to be as smooth, supportive, and stress-free as possible.

So go ahead—book that session, take care of your mental health, and let us (and Mentaya) take care of the paperwork.

Want to Start Therapy or Have Questions?

We’re just a phone call or click away!
📞 Call us at 727-344-9867
💻 Or book a FREE CONSULTATION HERE.

We’ll help you find the right therapist, schedule your first session, and even explain more about superbills and Mentaya if you want!