Using your superbill
How to ask your insurance to reimburse you for a visit here — step by step.
Start here: GynJess is a cash-pay practice, which means you pay at the time of your visit and we do not bill your insurance. A superbill is the paperwork that lets you ask your plan to pay you back. Some plans reimburse a meaningful share, some reimburse nothing — and it is worth finding out which yours is before you count on it.
What a superbill is
An itemized receipt written in the language insurers use. It is not a bill — you have already paid. It contains everything your plan needs to process an out-of-network claim:
Before your visit: five questions for your plan
Call the member services number on the back of your card and ask these. Write down the answers, the date, and the name of the person you spoke to.
Many plans reimburse a percentage of what they consider a reasonable fee for that service — not a percentage of what you actually paid. So "70% out-of-network coverage" may not mean 70% of your visit fee. Question 3 is the one that tells you the real number.
Submitting, and what to expect
SuperbillsHow to submit
A first denial is often a paperwork problem, not a judgment on the care. Read the explanation of benefits for the specific reason code, call and ask what would make the claim payable, and resubmit. You have the right to appeal, and appeals succeed more often than people expect. Tell us if you are denied — if it is something we can correct on our end, we will.
These are usually simpler than insurance. Your visit is an eligible medical expense — pay with the card directly, or pay however you like and submit the superbill as your receipt for reimbursement. Keep a copy either way.
Your visit is cash-pay, but bloodwork, imaging, and prescriptions Jessica orders are usually billed through your insurance in the normal way. Those are often covered even when the visit is not.
If you have Medicare, there is no superbill. Jessica has formally opted out of Medicare, which means no claim can be filed for her visits by either of you — and a Medigap or supplemental policy will not reimburse either, because Medicare never paid. You will sign a short private contract before your first visit that puts this in writing. Labs and prescriptions she orders are usually still covered by your plan.
General information, not a guarantee of coverage. Reimbursement depends entirely on your individual plan.