I am considered an out-of-network provider and do not directly bill insurance companies.  However, I will provide monthly statements called “superbills” for you to submit to your insurance carrier for POSSIBLE reimbursement for a portion of your service. You may want to ask your insurance carrier the following questions:
Do I have mental health coverage?
Will I be reimbursed for individual therapy? 
What rate will be reimbursed per session?
How many sessions are included in my plan?
Mental Health Diagnosis: For reimbursement, a mental health diagnosis is required by insurance, which becomes a mental health record. With private pay (paying out-of-pocket) a mental health diagnosis is not required. 
Couples Therapy is usually not covered by insurance plans.