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Reimbursement & Out‑of‑Network Benefits

Making reimbursement simple, transparent, and accessible — so you can choose what works for you.
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Care Designed with Flexibility

 

Deviate Virtual Therapy operates as a private pay practice.

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This gives you the widest range of options when choosing services — including individual sessions, group programs, and package models that support meaningful growth.

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Many clients also choose to use their out‑of‑network (OON) benefits to receive partial reimbursement, allowing them to combine flexibility with affordability.

Check Your Benefits

If you’re unsure whether your plan includes OON coverage, you can check instantly below.

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This tool provides an estimate based on your specific plan so you can make an informed decision.

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Reimbursement eligibility also depends on an individual clinical assessment and whether services meet insurance criteria for medical necessity.

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Final reimbursement amounts are determined by your insurance company, but this tool can give you a helpful starting point.

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Ready to begin?
 

Benefits Checker

How Reimbursement Works

It is straighforward and worth it if means you can enjoy more self care.

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  1. You pay for your session at the time of service.

  2. We provide a monthly superbill upon request with the required insurance information.

  3. You submit it to your insurance provider.

  4. Your insurance company reimburses you directly.

 

We’re here to make the process simple so you can stay focused on the work that matters to you.

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What is a Superbill?

A superbill is a detailed receipt that includes:

  • Dates of service

  • Session type (individual or group psychotherapy)

  • Diagnosis code (required by insurance)

  • Provider information

You submit this document to your insurance provider for potential reimbursement.

A Note About Diagnosis & Medical Necessity

 

Insurance companies require a mental health diagnosis in order to reimburse therapy services.

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Reimbursement also requires that services are considered medically necessary, meaning therapy is addressing symptoms that cause emotional distress or meaningfully interfere with daily functioning.​

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Diagnosis is determined individually during your initial session. In some cases, a clinician may determine that a diagnosis is appropriate and reimbursement may be possible. In other cases, a diagnosis may not be clinically indicated. Both paths are valid and guided by thoughtful clinical judgment.

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If a diagnosis is not appropriate, services remain fully available as private pay. If you prefer not to receive a diagnosis, you are always welcome to participate as private pay without submitting to insurance. 

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Our goal is transparency and choice. We’re happy to talk through what feels aligned for you.

No decision about diagnosis or medical necessity is made without your involvement.

Group Therapy & Reimbursement

Our group programs are psychotherapy groups designed to support meaningful emotional growth and change as well as fit criteria for group therapy reimbursement.

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Participation in group includes an individual session before each cycle. During that session, your clinician will assess whether group therapy is clinically appropriate and whether a diagnosis can be established for insurance purposes.

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If you meet criteria for a diagnosable mental health condition and your insurance plan includes OON group benefits, and the group you selected fits treatment for that need; sessions may be eligible for reimbursement.​

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The benefits checker can help you explore what your plan may cover so you can move forward with clarity.

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Questions?

We aim to make this process clear, grounded, and empowering so you can focus on the work that matters.

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If you have questions about reimbursement, diagnosis, or whether submitting a superbill is right for you, we’re happy to talk it through with you.

 

Ready to move forward?

Prefer to talk first?

You’re welcome to schedule a free consultation.

© 2026 Deviate Virtual Therapy 

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