Understanding health insurance terms is crucial for individuals seeking therapy services. In this article, we examined the differences between deductibles, copays, and coinsurance. Deductibles are the initial out-of-pocket expenses individuals must pay before insurance coverage begins. Copays are fixed fees paid at the time of service, while coinsurance is a percentage of the cost shared between the individual and the insurance company. These terms work together to determine an individual's financial responsibility. By grasping the nuances of these terms, clients can make informed decisions and better navigate their health insurance coverage.

A superbill is a detailed invoice or receipt used by healthcare providers to itemize services rendered to a patient and provides a record of each session a patient has with their therapist and includes the date, type of service, diagnosis code, and fee charged. Patients can use the information on the superbill to submit a claim to their insurance company for reimbursement, although they may be responsible for paying a portion of the cost. It is important for patients to check their insurance coverage and understand the process for submitting a superbill for reimbursement.