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Insurance Company OON Superbill Guides
Submitting a superbill to your insurance company for out-of-network therapy reimbursement? Browse our step-by-step guides for 20 major insurers — covering submission methods, typical reimbursement rates, and tips to avoid denials.
Aetna
Online portal or mail
50–70% of UCR
30–45 days
Blue Cross Blue Shield
Regional member portal or mail
55–75% of UCR
21–45 days
UnitedHealthcare
myuhc.com portal or mail
50–65% of UCR
30–40 days
Cigna
mycigna.com portal or mail
50–70% of UCR
25–35 days
Anthem
Sydney Health app, anthem.com portal, or mail
55–70% of UCR
21–30 days
Humana
MyHumana portal or mail
45–65% of UCR
30–45 days
Kaiser Permanente
Prior authorization required; mail only
0–30% of UCR (limited OON coverage)
45–60 days (if approved)
Oxford Health Plans
myuhc.com portal or mail
50–70% of UCR
30–45 days
TRICARE
Regional contractor portal or mail
75–85% of TRICARE allowable rate
30–45 days
Medicare
Medicare Administrative Contractor (MAC) portal
80% of Medicare allowable rate (after 20% co-insurance)
14–30 days
Ambetter
Ambetter member portal or mail
30–50% of UCR (limited OON coverage)
30–60 days
Molina Healthcare
Molina member portal or mail (prior auth required)
0–40% of Medicaid rate (limited coverage)
45–60 days
Centene Corporation
Subsidiary member portal or mail
30–45% of UCR (limited OON coverage)
30–60 days
CareFirst BlueCross BlueShield
carefirst.com portal or mail
55–70% of UCR
21–35 days
Highmark
highmark.com portal or mail
55–70% of UCR
21–40 days
Independence Blue Cross
ibx.com portal or mail
55–75% of UCR
21–35 days
Health Net
healthnet.com portal or mail
50–65% of UCR
30–45 days
EmblemHealth
emblemhealth.com portal or mail
50–65% of UCR
21–40 days
Tufts Health Plan
tuftshealthplan.com portal or mail
55–70% of UCR
21–35 days
Harvard Pilgrim Health Care
harvardpilgrim.org portal or mail
55–70% of UCR
21–35 days
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