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Therapy & Counseling Billing

Billing built for the way therapy actually gets coded, denied, and paid

A therapist documents a 50-minute session, bills a full hour, and the claim comes back denied for a missing start and stop time. It happens every week in counseling practices nationwide and it's exactly the kind of gap this service exists to close.

Behavioral-health-only billers Carve-out routing checked first 42 CFR Part 2 aware
Same session, two outcomes
90837 — note reads "50-minute session"

No documented start/stop time. Payer downcodes to 90834 or denies outright.

90837 — 62 min, start/stop documented

Note supports the time billed. Claim clears on the first pass.

The difference is almost always in the note, not the code.

Why Behavioral Health Is Its Own Discipline

A therapy claim looks simple. It isn't billed that way.

A dermatology claim and a psychotherapy claim carry the same basic parts a CPT code, a diagnosis, a provider number. Underneath, behavioral health runs on rules that trip up billers who learned the trade in primary care or surgery.

01 / Carve-outs

The card isn't the claim's home

Commercial plans often route mental health benefits to a separate managed behavioral health vendor Optum, Carelon, Magellan with its own portal and fee schedule. Verify the medical plan alone, and a month of sessions can bill to the wrong entity.

02 / Time-based codes

The clock decides the code

90832 covers ~30 minutes, 90834 ~45, and 90837 an hour or more. Because 90837 pays more, payers watch how often it's billed the note has to reflect actual time, not a rounded habit.

03 / Credentialing

Licensed doesn't mean billable

Panels for LCSWs, LPCs, and LMFTs close often and enrollment runs long. Reimbursement varies by license type Medicare pays LMFTs and counselors at 75% of the physician fee schedule as of Jan 1, 2024.

04 / Telehealth

Place of service, every time

A video visit from home generally uses POS 10, elsewhere 02. Modifier 95 signals synchronous audio-video, 93 flags audio-only. Miss one and a clean claim gets kicked back.

Also worth knowing: most therapists don't prescribe, so non-prescribing clinicians use the diagnostic evaluation code 90791 rather than 90792, and bill standalone psychotherapy codes instead of the evaluation-and-management add-ons psychiatrists use.
What We See Again and Again

The billing problems that show up in nearly every practice

Across the practices we take on, the same issues surface no matter the size of the group. Any one on its own is manageable stacked across a full roster, they turn into a receivable that quietly grows while the schedule stays full.

  • Sessions billed without a required authorization, or beyond the number of visits a plan approved
  • 90837 claims denied or downcoded because documented time didn't support it
  • Claims sent to the medical plan when a behavioral health carve-out held the benefit
  • Associates billed under the wrong supervising provider, or against the wrong supervision rules
  • Telehealth claims rejected over place-of-service and modifier errors
  • EAP sessions billed as standard outpatient visits, which pay differently
  • Secondary insurance never billed after the primary paid, so balances age out
  • Out-of-network clients left without accurate superbills
How The Service Works

We start before the first session is ever billed

Every new client goes through eligibility and benefits verification that checks the actual behavioral health plan, not just the medical card: copay, deductible, coinsurance, visit limits, and whether an authorization is needed to begin.

When a plan requires prior authorization, we request it and track the approved units so the practice doesn't run past them without noticing. From there, the work moves through coding review, claim submission, payment posting, denial handling, and A/R follow-up.

Before session one
1
Eligibility & benefits check

Behavioral health plan verified, not just the medical card.

2
Authorization requested

Approved units tracked so the practice never runs past them.

3
Practice keeps seeing clients

We keep the money moving in the background.

Coding Expertise

Coded to the documentation, and to each payer's rules

Accurate coding is where behavioral health claims are won or lost. We work daily across the code sets counseling practices use most.

Diagnostic evaluations

9079190792

90791 without medical services, 90792 when a prescriber performs it with medical services.

Individual psychotherapy

908329083490837

Chosen by documented session length never by the higher-paying option.

Family & couples

9084790846

90847 with the patient present, 90846 without both timed sessions.

Group therapy

90853

Billed per patient in the group.

Crisis psychotherapy

9083990840

90839 for the first 60 minutes, add-on 90840 for each additional 30.

Testing & interactive complexity

961309613196136961379612790785

90785 is commonly missed and just as commonly misapplied we tie it to the note.

On the diagnosis side, we work daily with the F-code chapter of ICD-10 for depressive, anxiety, and trauma-related disorders, and Z-codes that describe counseling circumstances because payers judge medical necessity against the diagnosis, and a mismatch between diagnosis, service, and note is a frequent denial reason. Modifiers carry their own weight too: telehealth modifiers 95/93, license-level HCPCS modifiers, 25 for a separate E/M service, and 59 to identify a distinct service.
The Revenue Cycle, In Order

From clean claim to closed balance

Each stage feeds the next. A claim doesn't stall because no one owns the next step.

01

Claims submission

Every claim is scrubbed against code combinations, modifiers, place of service, and diagnosis linkage before it leaves. We confirm clearinghouse acceptance rather than assume it.

02

Denial management

Denials get worked, not filed away. We read the remittance, fix the real reason, and track denials by payer so patterns become visible and actionable.

03

Payment posting

Payments are posted from ERA/EOB and reconciled against the actual contracted rate which is how underpayments get caught and disputed.

04

A/R follow-up

Aging claims are worked by age and by payer, ahead of the filing deadline not whenever someone gets to it.

90 days

Typical timely-filing window for commercial plans. A claim that slips past it is usually money gone for good.

1 year

Filing window Medicare generally allows the A/R follow-up schedule is built around each payer's actual date.

Compliance & Documentation

Confidentiality rules that go beyond standard HIPAA

Records tied to substance use disorder treatment fall under 42 CFR Part 2, which limits how that information can be disclosed including for billing without specific consent. We handle protected information accordingly and keep billing communication within those limits.

We don't write clinical notes, and we don't code services the documentation doesn't support. When a payer audits or requests records, we help assemble and submit the response.

  • Notes checked against the billed code and time
  • Diagnosis matched to the billed service
  • Treatment plans tracked where a payer requires one for continued authorization
  • Audit and records requests assembled and submitted on the practice's behalf
Works Inside Your System

No new platform to learn

Most counseling practices run on a behavioral-health-specific EHR. We work inside the systems providers already use.

SimplePractice TherapyNotes TheraNest Valant Tebra
What Outsourcing Actually Changes

Not a hand-off. A few concrete changes.

1

Evenings back

Verification, submission, and follow-up stop being an after-hours task.

2

Denials worked promptly

Instead of piling up until someone has time, shortening the gap between service and payment.

3

Someone watches deadlines full time

Carve-outs, authorizations, and filing deadlines fewer claims fall through avoidable cracks.

4

Clear reporting

What was billed, what was paid, what's outstanding instead of a vague sense that collections feel low.

Why Practices Choose Us

Behavioral health billing is the entire job here

We work in behavioral health billing specifically, not as one line item inside a general medical billing shop. That focus is the reason we know a therapy claim routes to a carve-out before it denies, why an associate's claims need a particular setup, and how a given payer treats 90837.

General billers learn these lessons one denial at a time. We already know where the traps are, because behavioral health is the work, day in and day out. Practices reach real people who can explain a denial, walk through a payer issue, and give a straight answer about where a claim stands.

"General billers learn these lessons one denial at a time. We already know where the traps are."
Who We Work With

The range of professionals and settings that deliver counseling

Solo private practices & individual clinicians
Group practices with mixed license types
LCSWs, LPCs, LMFTs, psychologists, psychiatrists
Telehealth-first practices billing multiple states
IOP & partial hospitalization programs
Community mental health organizations
Frequently Asked Questions

What practices ask before switching

Do you handle behavioral health carve-outs like Optum and Carelon?+
Yes. Part of verification is identifying whether a plan carves out mental health benefits and to which company, so claims route to the entity that actually pays them one of the most common reasons therapy claims deny.
Can you bill for our pre-licensed associates and interns?+
In most cases, yes, but the rules depend on the payer and the state. Some plans allow billing under a supervising provider with specific requirements, and others don't recognize pre-licensed clinicians at all. We confirm each payer's position before billing.
How do you decide between 90834 and 90837, given the audit risk?+
We code to the documented session length, not the higher-paying option. 90837 is appropriate for sessions of 53 minutes or more, and the note has to support it.
Do you also handle credentialing and getting us on panels?+
Credentialing and enrollment are part of what we help practices manage, including new provider setup and adding clinicians to existing groups. Panel timelines run long and some panels close, so starting early matters.
Medicare now covers counselors and marriage and family therapists can you enroll me?+
LMHCs and LMFTs became eligible to enroll in Medicare on January 1, 2024, reimbursed at 75 percent of the physician fee schedule. We can assist with enrollment and then handle billing under those rules.
Do you work with our EHR?+
Most likely. We work inside common behavioral health platforms such as SimplePractice, TherapyNotes, TheraNest, Valant, and Tebra, and with separate clearinghouses where a practice uses one.
Talk To Us About Your Billing

Find out what's getting stuck before you commit to anything

If your claims are aging, your denials are stacking up, or you're spending clinical energy on payer portals, a short conversation is the fastest way to see whether we can help.