Does Iron Ridge bill insurance?

No. Clients pay directly and receive an itemised superbill they submit themselves. Iron Ridge does not submit claims, request authorisation, or communicate with carriers about any client's care.

What should a client ask their carrier first?

Whether they have out-of-network outpatient mental health benefits, what the deductible is and how much is met, what percentage is reimbursed after it, and whether there is a session limit or annual maximum.

Does submitting a superbill create an insurance record?

Yes. The privacy advantage of private pay only holds if the client declines to submit. That trade-off is theirs to make knowingly and is worth raising before they start.

Is recovery coaching superbill-eligible?

No. Coaching is not a billable clinical service. It is a separate private-pay track.

For referring clinicians

OON superbill mechanics

Q: Will my client be reimbursed?

That cannot be predicted. It depends on the specific plan, the out-of-network deductible, how much has been met, and the carrier's determination. Some plans have no out-of-network mental health benefit at all.

What to tell a client about out-of-network reimbursement: how the superbill works, what it cannot promise, and the trade-off worth naming before they start.

Iron Ridge is private pay. Clients receive a superbill they submit themselves, and we do not contact carriers at any point. For a referring clinician the practical question is usually what your client should expect, and what to tell them before they commit.

How it works

The client pays Iron Ridge directly. We provide an itemised superbill covering the clinical services delivered. The client submits it to their carrier under out-of-network benefits, and any reimbursement is paid to the client.

Nothing routes back through us. We do not submit claims, request prior authorisation, or communicate with a carrier about any client's care.

Why it is structured this way

For a substantial share of this population the concern is not cost but exposure. Men with licensure, board positions, or security-sensitive employment are weighing whether a mental health claim enters a record their employer, spouse, or licensing board could reach.

Private pay removes the carrier from the transaction entirely. There is no claim and no diagnosis transmitted.

It is worth being precise with clients about the limit of that. It is a structural feature of how we bill, not a guarantee about what any third party can obtain by other means. And if the client chooses to submit a superbill themselves, that submission does create a claims record — the privacy advantage only holds if they decline to submit. That trade-off is theirs to make knowingly, and it is worth raising before they start rather than after.

What to tell a client about reimbursement

That you cannot predict it, and neither can we. It depends on the specific plan, the out-of-network deductible, how much has been met, and the carrier's determination.

The four questions worth having them ask their carrier before committing:

Do I have out-of-network outpatient mental health benefits?
What is my out-of-network deductible, and how much have I met this year?
After the deductible, what percentage do you reimburse for out-of-network outpatient mental health?
Is there a session limit or annual maximum?

Some plans have no out-of-network mental health benefit at all, in which case a superbill will not produce reimbursement and the client should know that up front.

HSA and FSA

Many clients use HSA or FSA funds. A superbill provides the itemised documentation those accounts generally require, though the plan administrator sets eligibility.

Coaching is not superbill-eligible

Recovery coaching is not a billable clinical service, so no superbill is issued. It is a separate private-pay track. Worth flagging if you are discussing options with a client who is weighing the two.

Cost

$30,000 for the eight-week clinical arc, billed at $15,000 per month, with the Partner & Family Program included at no additional cost. Full pricing · Insurance and superbills

What the superbill contains

An itemised record of the clinical services delivered, with the codes a carrier needs to process an out-of-network claim. Clients see those codes, so there is no scenario in which a diagnosis on the paperwork is a surprise to them — worth mentioning if a client is anxious about what appears where.

If a client asks you what will be on it, the honest answer is that the treating clinician assigns the diagnosis from the clinical picture, and that CSBD has no direct ICD-10-CM equivalent because it is an ICD-11 category. DSM-5-TR coding covers the practical friction that creates.

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