How it works
Great therapy shouldn’t mean great paperwork.
Marlo is a curated network of out-of-network therapists. We help you keep every superbill organized and guide you through seeking reimbursement from your insurance.
Curated, vetted therapists
One place for every superbill
Guidance through every claim
A third path
Most people choose between quality and convenience.
Paying directly can widen your options but leaves the search and reimbursement to you. Using insurance can lower your up-front cost but narrow the field. Marlo is designed to make the first path easier.
| Compare | Pay cash | Use insurance in-network | With Marlo |
|---|---|---|---|
| Therapist quality | Can be excellent, but you find them yourself | Variable and hard to evaluate | Curated using patient reviews, with peer nominations coming |
| Cost | The full session fee | Usually a copay or coinsurance | The therapist’s full fee, minus any reimbursement your plan provides |
| Access | Your own search and outreach | Directory errors and possible waits | A curated list for your market |
| Paperwork | Low paperwork, high search effort | Claims are handled for you | You submit; Marlo keeps superbills organized and guides you |
Savings depend on your plan’s out-of-network benefits. Many plans reimburse a portion of sessions; some reimburse little or nothing. Excellent therapists practice both in and out of network.
From first visit to follow-through
Choose your therapist. We’ll help with the rest.
- 01
Find a therapist you trust
Browse our vetted North Carolina network and filter by specialty, video availability, and session rate.
- 02
Book and pay your therapist directly
Schedule with your therapist and pay their stated fee. Marlo does not set or discount rates.
- 03
Receive your superbill
After your session, your therapist provides an itemized receipt with the diagnosis and procedure codes your insurer needs.
- 04
Submit with guidance
We walk you through sending the superbill to your insurer. You file the claim; we help make the process clear.
- 05
Track every dollar
See what is submitted, pending, paid, or denied, with reminders and guidance if you need to resubmit or appeal.
You never have to wonder what you’ve submitted or what’s still outstanding.
What “vetted” means
Not just licensed. Highly regarded.
Every therapist is licensed and screened using patient reviews, so you have more to go on than a name in a directory.
Peer nominations are coming. Therapists will be able to nominate colleagues they respect in your city, creating a local view of professional reputation.
Reviews and nominations are signals of reputation, not guarantees of clinical outcomes.
An honest look at the money
Your insurer uses its own allowed amount.
Not your therapist’s full fee. Here is an illustrative example once your deductible has been met:
- Therapist’s session fee
- $200
- Plan’s allowed amount
- $150
- Plan reimburses 70% of allowed amount
- $105 back
- Your net cost for that session
- $95
Illustrative only; amounts vary widely by plan. PPO and POS plans typically include out-of-network benefits. HMO and EPO plans usually do not. Out-of-network deductibles are often separate and higher.
Questions, answered plainly
No fine-print surprises.
Does Marlo submit claims for me?
No. You submit your own claims. Marlo helps you organize your superbills, understand the steps, and keep track of what happens next.
Will my insurance reimburse me?
It depends on your plan. Reimbursement varies with your out-of-network deductible, coinsurance, and your plan’s allowed amount, and it is never guaranteed.
How much will I get back?
Your insurer applies its reimbursement rate to its allowed amount—not necessarily to your therapist’s full fee. A separate out-of-network deductible may need to be met first.
What if my claim is denied?
Marlo helps you see the denial, understand common reasons, and find guidance for resubmission or appeal. An appeal can still take time and may not change the outcome.
Is Marlo cheaper than paying cash?
Only if your plan reimburses out-of-network care and you submit your claims. Marlo does not change therapist rates.
What if I don’t have out-of-network benefits?
You can still use Marlo to find a vetted therapist, but you should expect to pay the full fee yourself.
How are therapists chosen?
Every therapist is licensed and screened using patient reviews. Peer nominations are coming as the community grows. Reviews and nominations are reputation signals, not guarantees of outcomes.
A simpler place to begin