INSURANCE BENEFITS — Your insurance may cover more than you think.

We are cash pay.
The paperwork is on us.

Nocturyn does not participate with insurance plans and never will.

If your plan includes out-of-network benefits, we can help verify available benefits and submit claims on your behalf with your authorization.

What happens after every session

Your superbill is ready.

Within 30 minutes of every session, a complete superbill is generated and delivered to your secure portal and email.

Your superbill contains the information typically required by insurance companies when reviewing out-of-network claims.

You do not need to request it. It is simply there.

We help verify your benefits.

When available, we help verify your out-of-network benefits so you have a better understanding of your potential reimbursement before claim submission.

We explain your benefits in plain language and help you understand the information provided by your insurer.

We help submit your claim.

With your authorization, we can submit claims on your behalf through established insurance channels.

Reimbursement decisions, reimbursement amounts, and processing timelines are determined entirely by your insurer.

Any reimbursement is paid directly by your insurance company according to your plan terms.

Understanding your benefits

Plans that may include out-of-network benefits.

Many PPO plans from commercial insurers include out-of-network mental health benefits.

If your plan includes an out-of-network deductible and reimbursement structure, your sessions may be eligible for reimbursement once applicable requirements are met.

Reimbursement amounts vary significantly based on plan design, deductible status, insurer policies, and other factors.

Plans that may not include out-of-network benefits.

Many HMO plans do not include out-of-network coverage.

Medicaid and Medicare generally do not provide reimbursement for services accessed through Nocturyn.

Some marketplace plans may have limited or no out-of-network coverage.

If you are unsure, contact the member services number on your insurance card and ask whether your plan includes out-of-network mental health benefits.

Call the number on your insurance card and ask

Do I have out-of-network mental health benefits?

This is your starting point.

If the answer is yes, ask the next two questions.

If the answer is no, your plan may not provide reimbursement for out-of-network mental health services.

What is my out-of-network deductible and how much have I met this year?

Your deductible is the amount you pay before your insurer begins reimbursing eligible services.

If you have already met your deductible, reimbursement may begin sooner.

If not, eligible claims may apply toward your deductible until it is satisfied.

What percentage of the allowed amount does my plan reimburse for out-of-network psychiatric services?

This is your reimbursement rate once applicable deductible requirements are met.

The allowed amount is determined by your insurer and may differ from your actual session cost.

Out-of-network benefit verification and claim submission are provided as administrative services with your authorization.

Reimbursement outcomes depend entirely on your specific insurance plan and are determined solely by your insurer.

Nocturyn does not guarantee reimbursement and is not responsible for insurer coverage determinations.

We are not an insurance company, adjuster, broker, or insurance agent.

We relay insurer-provided information and may submit claims on your behalf as your authorized administrative representative.