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Insurance Billing for mental health therapists
INSURANCE BILLING FOR MENTAL HEALTH THERAPISTS

Insurance billing for therapy practice.

Time-based CPT auto-selection (90832/90834/90837), couples and family billing, real-time eligibility verification, superbill auto-generation for out-of-network clients.

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How mental health therapists actually use this

Therapy insurance billing has unique CPT logic: 90832 (30 min), 90834 (45 min), 90837 (60 min), 90847 (couples/family with patient), 90846 (without patient). Stillpoint auto-selects based on session length and service type. Major US payers covered for direct billing.

The typical workflow

  1. 1New client: insurance verified at booking via Stedi
  2. 2Session occurs — time-based CPT auto-applies (e.g., 90834 for 45 min)
  3. 3Couples session: 90847 with designated patient
  4. 4Diagnosis (ICD-10) attached to claim from session note
  5. 5Claim submits, status tracked
  6. 6Denial? Reason surfaces, fix and resubmit in one click

Works with what you already use

Common tools mental health therapists pair with insurance billing.

Stedi (eligibility)Major US payer clearinghousesOut-of-network superbills

Concerns we hear most

Does it handle Medicaid?

Medicaid varies by state. Most state Medicaid plans are supported via clearinghouse. Specific plans verified at signup.

What about EAP / employer programs?

EAP billing requires the employer's specific EAP processor. Stillpoint supports the major ones (Magellan, Optum, Lyra) with direct submission.

Frequently asked questions

Does the system auto-select 90832 vs 90834 vs 90837?

Yes — based on documented session time. Manual override available.

Can I bill 90847 for couples?

Yes — with proper designated-patient handling. The diagnosis-bearer is the billable client; the partner is captured for treatment context.

How do superbills work for out-of-network clients?

Auto-generated with proper CPT/ICD-10 coding. Clients can submit via their insurer's portal — many can do it in one click from their Stillpoint client portal.

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