How to Submit a Superbill to Aetna for Therapy Reimbursement

Aetna Out-of-Network Process

Aetna members can submit out-of-network superbills through the Aetna member portal at member.aetna.com or by mailing a paper claim to the address listed on the back of their insurance card. Members should attach the superbill from their therapist along with a completed out-of-network claim form, which is downloadable from the portal. Reimbursements are typically mailed as checks directly to the member.

Common Denial Reasons

• ✗Missing or invalid NPI number on the superbill
• ✗Diagnosis code not covered under the member's mental health benefit
• ✗Claim submitted outside the timely filing window (usually 90–180 days)
• ✗Service dates do not match documentation or session notes

Tips for Getting Reimbursed by Aetna

• ✓Ensure your superbill includes your full NPI, license number, and Tax ID — Aetna requires all three
• ✓Advise clients to call Aetna member services before starting therapy to verify OON mental health benefits
• ✓Members can track claim status at member.aetna.com after submitting
• ✓If a claim is denied, request an Explanation of Benefits (EOB) and appeal with a letter of medical necessity