You found the right therapist. Your insurance might still help pay.
You don't have to figure out insurance alone. This free guide walks you through one phone call with the exact questions to ask, so you hang up feeling clear and ready for next steps.
- ✓Plain English, zero insurance jargon
- ✓A question script you can read right off the page
- ✓Works with any US insurance company and any out-of-network therapist
Where should I send it?
Your guide lands in your inbox in a minute or two.
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Out-of-network doesn't mean not covered.
It works a lot like a store rebate.
Step 1
You pay the session fee
Upfront, on the day of your session. Like paying full price at the register.
Step 2
You submit a superbill
A detailed receipt from your therapist with everything your insurance needs.
Step 3
Your plan pays some back
If you're eligible, your insurance reimburses a portion, based on your plan.
Every plan is different, so the only way to know what yours covers is to ask them directly... and that's exactly what this guide helps you do. You don't need to decide anything yet.
Everything inside the guide
- 💡Why you can still use your insuranceOut-of-network, explained like a store rebate
- 🗺️The 4-step quick referenceFrom checking your benefits to getting reimbursed
- 📞6 questions to ask Member ServicesDeductibles, coinsurance, referrals, telehealth, and filing claims
- ✍️A fill-in billing code worksheetJot down the answers while you're on the call
- 📝Space for your notesBecause at some point, you will be on hold 😅
Four simple steps. One at a time.
The guide walks you through each one.
- 01
Check your benefits
Find your Summary of Benefits in your member packet or online.
- 02
Make one call
Call Member Services with the guide's questions in hand.
- 03
Get your superbill
Your therapist gives you one, usually monthly.
- 04
Get reimbursed
If eligible, your plan pays back a portion of the cost. 🎉
You don't have to have it all figured out today. Getting clear on your insurance is one small, doable step toward the right support.
Some families use the guide right away, and others save it for later. Both are completely okay.
This guide is for you if...
- ✓You found a therapist you love (for you or your kid) and they're out-of-network
- ✓Your insurance card says PPO or POS (these plans often include out-of-network benefits)... or you're not sure what you have yet
- ✓You want to know what's covered before you commit
- ✓You've never filed an insurance claim and just want someone to tell you what to say
Hi! I'm Mallory Grimste, LCSW
- LCSWLicensed therapist in Connecticut & New York
- 2014Supporting tweens, teens & young adults in private practice since 2014
- 400+Free mental health videos on YouTube, so you can get to know me first
I know this part can feel like a lot when you're just trying to get your teen (or yourself) the right support. That's why this is the same guide my team sends every family who asks us about insurance. Now it's yours too.
💛 Mallory
Quick answers
Is it really free?
Yep! You'll get it by email, along with occasional emails from me with mental health strategies and a heads-up when I have openings. Unsubscribe anytime.
I'm not working with you. Will it still help?
Absolutely. The questions work for any out-of-network therapist.
Will it tell me exactly how much I'll get back?
Not on its own, because every plan is different. Your insurance company is the only one who can tell you what your coverage actually looks like, so you'll still want to call them. The guide gives you the exact questions to ask so that call is quick and clear.
What's a superbill?
A detailed receipt from your therapist with the information your insurance needs to process a reimbursement claim.
Does this work if I don't live in Connecticut or New York?
Yes! The guide works with any US-based insurance company, wherever you live.
One thing to double-check: therapists are licensed state by state, based on where the client is physically located during each session. So ask the therapist you found whether they can legally see you (or your teen) in your state.
For example, I'm licensed in Connecticut and New York. That means I can see clients in my Branford, CT office, or by telehealth when they're physically in CT or NY.
One phone call. Real answers.
Grab the guide, set aside about an hour whenever it works for you, and get the clarity you came here for.
Send me the free guide →Free · Straight to your inbox · Use it now or save it for later 💛
This guide is general educational information, not a guarantee of coverage. Reimbursement depends on your specific insurance plan.
© 2026 Mallory Grimste, LCSW · 250 W Main Street, Branford, CT 06405