How to Submit a Superbill for Therapy in Michigan

A simple, step-by-step guide for BCBSM, Blue Care Network, Aetna, Priority Health & other Michigan plans

Submitting a superbill for therapy can feel confusing — especially when you’re already trying to care for your emotional health. So we created this clear, compassionate Michigan-friendly guide to help you understand how the process works and what to expect.

And before we dive in, a quick note:

Disclaimer: Every insurance plan is different — even within the same company. Some plans offer generous out-of-network benefits, some offer partial reimbursement, and some offer none at all.

This guide is a general overview based on what we commonly see with Michigan clients, but your specific coverage may vary.

Always check your individual benefits to confirm what applies to your plan.

With that said, here’s how it works for most people.

What Is a Superbill?

A superbill is a detailed receipt that includes all the information your insurance company needs to consider reimbursing you for therapy you’ve paid for out of pocket.

It typically includes:

• your therapist’s name and credentials
• their NPI and tax ID
• your diagnosis code
• CPT codes
• dates of service
• amount paid
• proof of payment

A superbill is not a guarantee of reimbursement, but many Michigan clients — especially those with PPO plans — do receive partial repayment.

Which Michigan Insurance Plans Commonly Accept Superbills?

Many PPO and POS plans allow for superbill reimbursement, including:

• Blue Cross Blue Shield of Michigan (BCBSM PPO)
• Blue Care Network POS plans
• Aetna PPO
• Priority Health PPO
• Cigna PPO
• United PPO (depending on employer plan)

Most HMO plans (including BCN HMOs) do not offer out-of-network reimbursement — but it’s always worth checking, because employer-sponsored plans can vary.

How to Submit a Superbill in Michigan (Step-by-Step)

Here’s the simplest approach we’ve found — especially for clients with BCBSM, BCN, Aetna, and Priority Health.

STEP 1: Download your superbill from us

We can send it via secure email, your client portal, or printed copy.

Double-check your info — if anything needs correcting, we’ll update it right away.

STEP 2: Log into your insurance member portal

BCBSM/BCN: bcbsm.com

Aetna: aetna.com

Priority Health: priorityhealth.com

Look for:

• “Submit a Claim”
• “File a Claim”
• “Out-of-Network Claims”
• “Member Reimbursement”

The name varies, but the function is the same.

STEP 3: Upload your documents

Most portals allow you to submit:

• the superbill (PDF or photo)
• proof of payment (if requested)

Some insurers also ask for a brief claim form — if so, the portal will prompt you.

STEP 4: Answer the short questions

You may be asked:

Was the service medically necessary? → Yes

Did you pay out of pocket? → Yes

Was this a licensed provider? → Yes

There are no trick questions — just answer honestly.

STEP 5: Submit and save your confirmation

Always take a screenshot or save your submission confirmation.

Insurance companies misplace things more often than you’d think.

STEP 6: Watch for reimbursement (2–8 weeks)

Typical timelines:

BCBSM PPO: 2–6 weeks

Priority Health PPO: 3–6 weeks

Aetna PPO: 4–8 weeks

Reimbursement usually arrives via check or direct deposit (if set up).

Superbill FAQs

A Reassuring Closing Note

The superbill process can feel intimidating at first, but once you’ve done it once, it becomes straightforward. And it can make therapy — including EMDR Intensives — more accessible and affordable, especially at the end of the year.

Just remember:

• every Michigan plan is different
• reimbursement varies
• your healing is worth advocating for
• and we’re here to help every step of the way