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.

  • Aetna
  • Humana (commercial)
  • Tricare (regional)
  • Blue Cross Blue Shield (regional plans)
  • UnitedHealthcare / Optum Behavioral Health
  • Cigna
  • Magellan Health

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

Do you require prior authorization before starting therapy or psychiatric care?
Some insurance plans require prior authorization for outpatient mental health services, and we will help you understand what your specific plan requires before your first appointment. Our administrative team initiates that process on your behalf and communicates clearly about any approvals or limitations. If authorization is delayed or denied, we walk through your options with you before any decision is made about how to proceed.
Can I use my HSA or FSA to pay for sessions?
Yes. Health savings accounts and flexible spending accounts are accepted for copays, coinsurance, deductibles, and self-pay fees. Mental health care qualifies as a covered medical expense under most HSA and FSA plans, and we can provide the documentation your account administrator may require.
If I have out-of-network benefits, how does reimbursement from my insurance plan typically work?
We provide a detailed superbill after each session that includes the procedure and diagnosis codes your insurance plan needs to process an out-of-network claim. Reimbursement rates and timelines vary by plan, so we recommend calling the member services number on your insurance card to ask specifically about your out-of-network mental health benefits before your first visit. We are glad to answer questions about what information the superbill will contain.
What happens to my billing if my insurance plan changes during the course of treatment?
Coverage changes are not uncommon, and we ask patients to let us know as soon as a change takes effect so we can verify your new benefits before the next session. In most cases the transition is straightforward. If your new plan does not include us as in-network providers, we will discuss your out-of-network options or self-pay rates openly, so you can make an informed decision about continuing care.
Are you required to provide a good-faith estimate of costs?
Yes. Under the No Surprises Act, uninsured and self-pay patients are entitled to a good-faith estimate of expected costs before scheduled services. We provide that estimate in writing and are glad to walk through any questions it raises before your first appointment.
Do copays vary between therapy appointments and psychiatric visits?
They can. Many insurance plans apply different cost-sharing amounts to evaluation and management services, such as a psychiatric visit, compared to psychotherapy sessions. We can help you understand which billing codes apply to each type of visit so the amount due at the time of service is not a surprise.

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