Insurance & billing

How we handle the paperwork.

We work with most major commercial insurance plans, so most patients pay only their plan's copay or coinsurance for behavioral health care.

In-network plans

The list below reflects our typical commercial in-network roster. Network participation can vary by state and by plan tier — please verify your specific plan when scheduling.

  • Tricare (regional)
  • Magellan Health
  • Aetna
  • Beacon Health Options (Carelon Behavioral Health)
  • UnitedHealthcare / Optum Behavioral Health
  • Humana (commercial)
  • Anthem Blue Cross Blue Shield (state plans)

This list is updated as plans are added or retired. Please confirm coverage when you schedule.

What you'll typically pay

  • In-network visits: your plan's behavioral-health copay or coinsurance.
  • Out-of-network: we can provide a superbill for self-submission for partial reimbursement (where your plan permits).
  • Self-pay: flat fees published on request. Most patients with insurance pay less than self-pay.

No surprises

Under the federal No Surprises Act (2022), uninsured and self-pay patients are entitled to a Good Faith Estimate of expected charges before care begins. We provide one on request and at scheduling for any self-pay patient.

Billing questions

Will my insurance require prior authorization before I can start psychiatric care?
Some insurance plans do require prior authorization for psychiatric evaluations or certain medications, and the requirements vary considerably by carrier and plan type. Our billing team reviews your coverage before your first appointment and contacts your insurer on your behalf if authorization is needed, so you are not navigating that process alone.
I pay out of pocket but want to seek reimbursement from my insurance — can you help with that?
Yes. We can provide an itemized superbill after each appointment, which includes the diagnostic and procedure codes your insurance plan needs to process an out-of-network reimbursement claim. The amount your insurer reimburses depends on your specific out-of-network benefits, which we encourage you to verify directly with your plan before your first visit.
What happens to my billing if my insurance plan changes mid-treatment?
If your coverage changes, please let us know as soon as possible so we can re-verify your benefits and update your file before your next appointment. A gap in that information can result in claims being processed under outdated terms, which sometimes creates unexpected balances; a quick update call prevents most of those situations.
Can I use my HSA or FSA card to pay for sessions?
Mental health services from licensed providers are a qualified medical expense under IRS guidelines, so HSA and FSA cards are accepted here. If your plan administrator ever requests documentation, the receipts and superbills we provide should satisfy that requirement.
Under the No Surprises Act, am I entitled to a cost estimate before my first appointment?
You are. Any client who is uninsured or who chooses not to use their insurance is entitled to a good-faith estimate of expected charges before care begins, and we provide one routinely. If you are using insurance, we will share what we know about your estimated cost-sharing based on your benefits, with the understanding that final amounts depend on how your insurer processes each claim.

Coverage questions? We will check for you.

Tell us your plan when you reach out — we will verify benefits before your first visit.

Verify my coverage