A Guide to Superbills

What Is a Superbill & Why Do I Need One?

A superbill is an important document for patients receiving out-of-network care. It allows them to submit a claim to their insurance company for potential reimbursement of any payments made for provided services. The superbill is an itemized summary that includes diagnostic and billing codes, along with the details of the care received.

Once the claim is sent in, the insurance provider may reimburse the patient directly or apply the amount toward their deductible, especially on high-deductible plans. Additionally, superbills may be submitted to HSA/FSA accounts for reimbursement.

It’s Ok to Question Your Coverage

To better understand your potential reimbursement, check your insurance plan details online or call the number on the back of your health insurance card. Questions to ask your insurer include the following:

If you have out-of-network benefits and, if so, what is your deductible?
Has the deductible been met yet?
Are the services received covered by the plan?
What is the coinsurance rate or portion of the bill you are responsible for?
What percentage does your insurer cover, and how much might you be reimbursed?

Submit Your Superbill Promptly to Ensure Benefits

It’s important to submit your superbill within your insurer’s required time frame, often 90 to 180 days. This time frame falls under what is known as “timely filing.” Contact your insurance provider’s member services or visit their website for specific instructions on submission.

Common submission methods include:

Online Portal—most insurers offer an online portal where you can securely upload your superbill. This is typically the fastest and most secure option.
Mail—you can mail the superbill to your insurance company. Be sure to allow time for delivery and confirm the correct address.
Fax—if faxing, avoid using public or work fax machines to protect your privacy. Keep the fax receipt as proof of submission.

After Submission: The Next Steps

Processing times typically range from two to four weeks. The insurance company will either reimburse you for the amount minus your copay or apply the amount toward your deductible. If your superbill is denied, contact your insurance provider for further information.

We’re Here to Help—Contact Us for Assistance

If you need help with your superbill or have questions, Beacon Hill Chiropractic is here to support you through the process. Contact us today!

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