New insurers should mail reimbursements.

If the insurance company doesn’t list the therapist in its database, online reimbursement won’t be possible. Instead, you must complete a reimbursement form and mail it. Once processed, the therapist will be added for future online claims.

Traditional mailed reimbursements rarely face audits, while online claims, which don’t require receipts, carry higher fraud risks and are less frequently audited.