How to Submit a Superbill to Blue Cross Blue Shield for Therapy Reimbursement

BCBS Out-of-Network Process

Blue Cross Blue Shield operates through regional plans, so the OON submission process varies by state. Members should locate their regional BCBS plan on the back of their insurance card and visit that plan's member portal to find the OON claim form. Most BCBS plans accept superbill submissions by mail or through the online member portal, and some regional plans have dedicated OON reimbursement departments.

Common Denial Reasons

• ✗Claim submitted to the wrong regional BCBS plan
• ✗Provider's state license is not valid in the state where the service was rendered
• ✗Missing place of service code for telehealth sessions
• ✗Superbill lacks required rendering provider information

Tips for Getting Reimbursed by BCBS

• ✓Always verify which regional BCBS plan the member belongs to — BCBS of Illinois and BCBS of Texas have different portals
• ✓Include place of service code 11 for office visits and code 10 for telehealth rendered from home
• ✓Some BCBS plans offer higher reimbursement for LCSW or PhD-level providers vs. LPC
• ✓Clients should confirm their OON deductible and out-of-pocket maximum before their first session