OUT-OF-NETWORK CARE · NJ & NY

Out-of-Network Psychiatric Care: How It Works and What You Get Back

Choosing an out-of-network psychiatric provider doesn't mean giving up on using your insurance entirely. Here's exactly how the superbill and reimbursement process works, what to ask your insurer before you book, and a free kit that does most of the legwork for you.


Self-pay practice · Superbill provided for out-of-network reimbursement

Michael Feldman, PA-C, founder of Gimel Health in Fort Lee, New Jersey

Michael Feldman, PA-C · Founder

What "Out-of-Network" Actually Means for Your Wallet

Out-of-network doesn't mean uninsured, and it doesn't mean insurance is irrelevant. It means I'm not contracted with any insurance company, so I don't bill them directly. You pay me at the visit, I give you a superbill, an itemized receipt with the codes your insurer needs, and you submit that to your plan yourself. If your plan has out-of-network benefits, this is how people who work with me use their insurance without me being in-network at all.

WHY I DON'T PARTICIPATE WITH INSURANCE NETWORKS

Insurance networks decide how long an appointment can be, how often you can be seen, and increasingly which medication has to be tried first before a different one is approved. Staying out of network is what makes a 50-minute first appointment and a follow-up schedule based on clinical need, not a fixed visit quota, possible. This is increasingly the norm across psychiatry, not the exception, and it's a large part of why in-network psychiatric providers accepting new patients have gotten harder to find.


WHAT A SUPERBILL ACTUALLY IS

A superbill is an itemized receipt, not a bill you owe. It lists what you paid, the CPT procedure codes for the visit, the ICD-10 diagnosis code, and my license and tax ID information, everything your insurer needs to consider a claim. I provide one after every visit. You submit it yourself, either by mail or through your insurer's online portal, and if your plan reimburses out-of-network care, the payment comes back to you, not to the practice, since you've already paid in full at the time of service.


WHETHER YOUR PLAN ACTUALLY COVERS THIS

Out-of-network benefits are a feature of PPO and POS plans specifically. HMO and EPO plans generally do not offer them, so this is worth checking before you assume either way. If your plan does have these benefits, reimbursement typically kicks in after you've met an out-of-network deductible, which is separate from your in-network deductible, and it's usually a percentage of your insurer's "allowed amount" for the service, which can be lower than what you actually paid. Two plans that sound similar can reimburse very differently. The only way to know your actual number is to ask your insurer directly, which is exactly what the call script in the kit below is built for.


WHAT TO EXPECT AFTER YOU SUBMIT A CLAIM

Most insurers are required to respond to a claim within 30 days. You'll get an Explanation of Benefits showing what was covered and what wasn't. Submitting claims monthly rather than saving them up gets you to your deductible faster and avoids running into your plan's timely filing window, which is often 90 to 180 days from the date of service. None of this is a guarantee of reimbursement. It's a process, and the kit below is built to help you go into it with the right information instead of finding it out after the fact.


⚠ This information is educational and general. What your specific plan reimburses depends on your policy, and confirming it with your insurer directly is the only reliable way to know your number.

SERVICES

Other Conditions I Treat

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Mood Disorders

Treatment for depression, bipolar, PMDD, and
complex mood patterns.

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Specialized care for chronic worry, panic, PTSD,
and obsessive thoughts.

ADHD

Treatment for depression, bipolar, PMDD, and
complex mood patterns.

Eating Disorders

Medical and medication support for anorexia,
bulimia, and binge eating.

Sleep & Anger

Treatment for insomnia, rage, and impulse
control challenges.

Complex Cases

Treatment-resistant cases, psychosis,
schizoaffective, autism spectrum.

HOW OUT-OF-NETWORK PSYCHIATRIC CARE SESSIONS WORK

Your Path to Better Mental Health

Three steps. No surprises.

10-min Discovery Call

Tell me what's going on. I'll tell you if I'm
the right fit — or refer you to someone
who is.

50-min Initial Evaluation

A full psychiatric evaluation. We review your complete medical and psychiatric history, prior treatments, symptoms, and goals together.

Treatment & Follow-up

Medication plan, dosage refinement, and
regular check-ins.

ABOUT

Meet Michael Feldman, PA-C

Founder · Physician Assistant–Certified

Why molecular biology matters to your treatment

Most psychiatric prescribing is trial-and-error. My background in
molecular biology — MSc from Hebrew University of Jerusalem, with
research at the Weizmann Institute and Mt Sinai — lets me think about
your case at the level of biological pathways, not just symptom
checklists. That means fewer wasted medication trials, a clearer rationale for every decision, and mental health care built on biology, not guesswork.

Who I treat

Adults, adolescents, and children with anxiety, depression, ADHD,
bipolar disorder, OCD, eating disorders, and complex or treatment-
resistant cases. I work especially well with patients who've been let
down by rushed 15-minute medication checks elsewhere.

What your first visit looks like

A 60-minute initial evaluation — in person at my Fort Lee office or via
telehealth anywhere in NJ or NY. We'll go through your full history,
current symptoms, prior treatments, and biological context. You leave
with a clear diagnosis and a specific medication plan, not a maybe.

EDUCATION

MSc in Physician Assitant Studies

PACE University NYC

EDUCATION

MSc Nut

Hebrew University of Jerusalem

LANGUAGES

English
Russian
Hebrew

CARE

Children · Teens · Adults

Family-aware planning

FOUNDER VIDEO 

Watch: Why I founded Gimel Health

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What Patients Say

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FEES & INSURANCE

What Care Costs

I don't bill insurance directly, and I don't promise a specific reimbursement percentage, because it depends entirely on your plan. What I can promise is a complete superbill after every visit and the tools above to find out your actual number before you book.

Initial evaluation (up to 50 minutes): $350
Follow-up visit: $300
Discovery call: free, about 10 minutes

Ask about fees and reimbursement →

FAQ

Frequently Asked Questions About
Out-of-Network Care

Things patients usually want to know before reaching out.

What does "out-of-network" mean, exactly?

It means I don’t have a contract with any insurance company, so I don’t bill them directly. You pay me at the time of the visit, and I give you a superbill you can submit to your own insurer for possible reimbursement, if your plan offers that benefit.

Will my insurance actually reimburse me anything?

That depends entirely on your specific plan. PPO and POS plans commonly include out-of-network mental health benefits; HMO and EPO plans generally do not. Rather than guess, call the member services number on your insurance card and ask directly, the kit above gives you the exact questions to ask.

What is a superbill?

An itemized receipt, not a bill you owe. It lists the CPT procedure codes, the diagnosis code, my license and tax ID information, and what you paid, everything your insurer needs to process a claim. I provide one after every visit automatically.

How do I actually submit a claim?

Most insurers let you submit online through a member portal, or by mailing the superbill with a claim form, which your insurer can provide. Submit monthly rather than saving them up, both to reach your deductible faster and to avoid missing your plan’s filing deadline, often 90 to 180 days from the date of service.

How long does reimbursement take?

Insurers are generally required to respond to a claim within 30 days. You’ll receive an Explanation of Benefits showing what was covered.

Why don't you just tell me what percentage I'll get back?

Because it genuinely varies by plan, and giving you a number that turns out to be wrong for your specific policy does you no favors. Two plans that look similar on paper can reimburse very differently depending on the deductible and the “allowed amount” they use to calculate your payment. Your insurer is the only accurate source for your number.

Is a superbill the same as billing my insurance directly?

No. When a provider is in-network, they bill insurance and insurance pays them. When a provider is out-of-network, you pay the provider directly, and then you (or the kit’s process) file the claim yourself using the superbill. Any reimbursement comes back to you, not to the practice.

Do I need to do anything special to get a superbill from you?

No. It’s provided automatically after every visit, no request needed.

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