Getting Reimbursed for Your Sessions
After each session at Cognia, you can request a superbill, a detailed receipt your insurance company needs to reimburse you for out-of-network care. This guide walks through submitting that superbill using Reimbursify, a free app that handles the filing for you.
The process takes under a minute once you have done it once. Most patients receive their reimbursement check in 4 to 6 weeks.
What You Will Need
Gather these three things before opening the app. Having them ready makes the filing process smooth.
- A PPO or equivalent plan. Reimbursify works with PPO plans and most private insurance. HMO and EPO plans typically have no out-of-network benefit. Confirm with your insurer if you are unsure.
- Your superbill from Cognia. Request it through the patient portal after each session. A PDF works best. The superbill includes your provider's NPI and EIN, your diagnosis code, the CPT service code, and the session fee. Reimbursify needs all of this.
- Your insurance card. You will photograph the front and back during account setup. Include your complete member ID. Some plans (especially Blue Cross Blue Shield) use a prefix and suffix that must be entered exactly.
Download and Set Up Reimbursify
The app is free on iOS and Android. Account setup takes about five minutes and only needs to be done once.
Search "Reimbursify" in the Apple App Store or Google Play Store. Download and open it. Tap Sign Up to create an account using your email address. Reimbursify will send a confirmation email. Click the link to verify, then return to the app.
Enter your full name and date of birth exactly as they appear on your insurance card. Mismatches here are one of the most common causes of claim rejection.
The app will prompt you to photograph the front and back of your health insurance card. Use the in-app camera or upload an existing photo. Enter your complete member ID including any prefix or suffix characters. Specify whether you are the primary policyholder or a dependent.
From your dashboard, go to Profile > Edit Profile > Policy Members and tap Add Policy Member. Add their name and date of birth. You can then file claims on their behalf from the same account.
File Your Claim
Have your superbill open on screen or printed. Each step maps directly to a field on the superbill. You are copying, not interpreting.
On the Claims screen, tap the orange + icon. Select the patient who received care (yourself or a family member you added). Choose the session date from the calendar.
Tap the orange shutter button to photograph a paper superbill, or tap the upload icon to attach a PDF from your phone, iCloud, Dropbox, or Google Drive. Use the crop tool to frame just the superbill. Tap Add Another if you are filing multiple sessions with identical codes and fees.
Tap Add a new Practitioner and enter the NPI number from your superbill. Reimbursify looks the provider up automatically. If prompted for a Tax ID, enter the EIN from the superbill (also a one-time step).
Enter the ICD-10 diagnosis code exactly as it appears on the superbill (for example, F41.1). Then enter the CPT service code (for example,
90834) and the session fee. When you select telehealth as the visit
location, Reimbursify automatically adds the Modifier 95 that most insurers require
for telehealth sessions.
Check that all codes, fees, and dates match your superbill, then tap the orange Submit button. A confirmation email will arrive shortly. Your claim is in the Sent to Insurance section of the app from this point on.
You have a two-hour window to cancel a submitted claim at no charge if you spot an error. After that window, use the Resubmit option to correct codes or fees.
What to Expect
Reimbursify transmits your claim to your insurer's processing system within hours of submission. From there, the timeline is in your insurer's hands.
Most claims are fully processed within 4 to 6 weeks. You can track status in the app under Sent to Insurance at any time.
When your insurer finishes processing, you will receive an Explanation of Benefits (EOB) by mail. The EOB outlines how your benefits were applied: what the insurer allowed, how much went toward your deductible, and how much is being reimbursed to you.
A reimbursement check, made out to you and not to Cognia, arrives separately or with the EOB. Once you receive it, open Reimbursify, find the claim, and tap Apply EOB to record the amounts and close the claim.
FAQ
Your first claim is free. After that, claims cost $3.99 each or $29.99 for a 10-claim annual pack (about $3.00 per claim). Reimbursify never takes a percentage of your reimbursement. You keep everything the insurer sends.
HMO and EPO plans typically have no out-of-network benefit, which means the insurer will not reimburse you regardless of the filing tool. Call the member services number on your card and ask specifically whether your plan covers out-of-network mental health services before investing time in the process.
Check the Explanation of Benefits for the denial reason code. Common causes: your out-of-network deductible has not been met yet (your money still counts toward it), a code on the superbill was incorrect, or your plan requires prior authorization for the service type. You can correct and resubmit at no additional charge through the Reimbursify app.
First, check your insurer's online member portal. Processed claims often appear there before the paper EOB arrives. If the claim does not appear there either, contact Reimbursify support at hello@reimbursify.com. Delays sometimes occur when the insurer cannot verify your provider's identity. In that case, a quick message to this office can help resolve it.
This is a processing error by the insurer. Contact your insurance company and explain that you paid your provider directly and all reimbursements should come to you as the patient. They can redirect the check or reissue it in your name.
Yes. Most insurers allow claims up to 12 months from the date of service, though some plans set a shorter window of 90 or 180 days. Check your plan documents or call your insurer to confirm the filing deadline before submitting retroactive claims.
Questions about your superbill?
Superbills are available through the patient portal after each session. If something looks off or you need help with the codes, use the contact page to reach me directly.
These guides are educational. Care at Cognia Health is built on continuity: one clinician across your whole course of treatment. Read about our approach to care or explore services .