For LMFTs and couples and family therapists
Couples and family therapy billing that follows every session to your bank.
Two or more people in the room, one client on the claim, and insurance rules that don't always cover the work. Remitra follows each session from the claim to the deposit, so you can see what's paid, what's stuck, and what the client owes.
- SessionWed, 6:00 · 50 min · 90847
- Bill sentunder the identified client
- Not coveredplan excludes couples work · bill the client
- In your bank$140 — statement sent
Illustrative example. Remitra shows the denial and the reason, so the balance moves to the client instead of sitting unpaid.
Does this sound familiar?
Two people in the room. One name on the claim.
- “Insurance paid for some couples sessions and denied others, and I can't see why.”
- “I'm never sure whose insurance to bill when both partners have coverage.”
- “When insurance says no, the balance just sits there.”
Where the money goes
Where marriage and family therapy practices lose money.
Relationship work doesn't fit neatly into insurance rules. These are the places it most often costs you.
-
Couples sessions that aren't covered.
Insurance pays to treat a diagnosed condition. Many plans won't pay for relationship counseling on its own, so some couples sessions come back denied.
How Remitra shows it
One list of every denied claim with the reason in plain English, so you know which sessions need to move to the client.
-
The wrong family member on the claim.
A family session is billed under one identified client, using their diagnosis and their insurance. If the claim goes out under the wrong person or plan, it's denied.
How Remitra shows it
Insurance is checked before every session for the client on the appointment, so a mismatch shows up before the claim goes out.
-
Balances that move to the client and stop there.
When insurance won't pay, the session becomes the client's bill. Without a reminder, it often never gets paid.
How Remitra shows it
Statements and online payment links go out automatically, the balance is shown at check-in, and clients can pay by card or on a payment plan.
-
Medicare is new for MFTs.
Since 2024, marriage and family therapists can bill Medicare. New payer, new rules, and new chances for claims to sit unpaid.
How Remitra shows it
Money you're still owed, sorted by how old it is, plus one list of denials with the reason in plain English, so a new payer's backlog doesn't hide.
Follow one session
A family session, from the room to the deposit.
How a typical 90847 session moves through Remitra. The dollar amounts are illustrative.
- 1Before the sessionInsurance is checked for the identified client on the appointment.
- 2SessionA 50-minute family session with the client present. The note is signed.
- 3BillThe claim goes out under the identified client's diagnosis and insurance.
- 4Insurance payment$118.60 paid, and the client's $30 share is collected by card at check-in.
- 5Bank depositBoth payments are matched to this session.
For whoever does the billing
Marriage and family therapy codes you use most.
The codes behind most couples, family, and individual sessions, and the snag that most often trips each one up.
| Code | What it means | Common snag |
|---|---|---|
| 90847 | Family or couples therapy with the client present, about 50 minutes. | The plan doesn't cover couples work, or the claim is under the wrong person. |
| 90846 | Family therapy without the client present, about 50 minutes. | Some insurers don't cover it at all. |
| 90791 | Diagnostic evaluation, usually the first session. | Done for the wrong family member, or billed twice. |
| 90834 · 90837 | Individual therapy: 38–52 or 53+ minutes. | The time in the note doesn't support the code. |
Codes are CPT® codes from the American Medical Association. Insurer rules vary, so check each payer's policy.
Questions
Marriage and family therapy billing questions.
Whose insurance do I bill for a couples session?
The identified client: the person whose diagnosis you're treating. The claim uses their diagnosis and their insurance. Remitra checks that client's coverage before every session.
What happens when insurance won't cover couples therapy?
The denial shows up with its reason, and the balance moves to the client. Remitra sends statements with payment links, and clients can pay by card or on a payment plan.
Can marriage and family therapists bill Medicare?
Yes. Since January 2024, marriage and family therapists can enroll in Medicare and bill for their services.
Does Remitra work for individual sessions too?
Yes. Individual, couples, and family sessions all go through the same place, with each one followed to the deposit.
Can I sign up today?
Remitra is in private preview and working with a small group of mental health practices. Book a 30-minute demo call and we'll walk through how billing works at your practice today.
30 minutes · Free · No commitment
See how Remitra would work for your family therapy practice.
Book a short video call. We'll learn how billing works at your practice today, and show you a session tracked all the way to the bank deposit.
Book a demo callOpens Google Calendar in a new tab. No client data needed — we use sample data.