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Can I use insurance, HSA, or FSA to pay for Mindbloom treatment?

Updated this week

To receive reimbursement for Mindbloom services, you can either use HSA/FSA funds for treatment or submit a claim to your insurance carrier for out-of-network reimbursement.


How do I use my HSA/FSA funds?

Mindbloom treatment is generally considered an eligible expense and you can:

  • Pay directly with your HSA or FSA card.

  • Submit a Superbill for reimbursement.

    • If required by your plan, your clinician can also provide a Letter of Medical Necessity.


How much can I get reimbursed by insurance?

Up to $650 back for a 6-session program — and more for 12- or 18-session programs — depending on your plan’s out-of-network coverage.

  1. Initial consult (45 minutes) — CPT code 99204
    Estimated reimbursement: up to $400

  2. Medication management consult (25 minutes) — CPT code 99214
    Estimated reimbursement: up to $250

We recommend calling your plan to verify they offer out-of-network reimbursement for these services.


What’s a Superbill and how do I get one?

A Superbill is an itemized receipt of your treatment. It includes the necessary codes and details for submitting a claim to your insurance or HSA/FSA provider.

  • You can request a Superbill after your clinician consult.

  • If needed, your clinician can also provide a Letter of Medical Necessity.

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