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.
- Magellan Health
- Anthem Blue Cross Blue Shield (state plans)
- Tricare (regional)
- Humana (commercial)
- UnitedHealthcare / Optum Behavioral Health
- Cigna
- Evernorth Behavioral Health
- Beacon Health Options (Carelon Behavioral 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
Does Commonwealth Clinical Services require prior authorization before a psychiatric evaluation, and how is that process handled?
Some insurance plans require prior authorization for psychiatric evaluations or ongoing medication management visits. Our billing staff identifies authorization requirements before your first appointment and initiates that process on your behalf, though the timeline for insurer approval is outside our control. We will inform you promptly if a delay or complication arises and discuss your options.
If I have out-of-network benefits, can I receive a superbill to seek reimbursement from my insurer?
Yes. Patients who carry out-of-network benefits and choose to self-pay at the time of service may request an itemized superbill, which includes the diagnostic and procedure codes required for submission to your insurance plan. We recommend confirming your plan's out-of-network reimbursement rate and submission procedures directly with your insurer before your first appointment.
Are HSA and FSA cards accepted as payment, and are there any restrictions on which services qualify?
Health Savings Account and Flexible Spending Account cards are accepted for all covered mental health services at this practice. Most psychiatric and psychotherapy services qualify as eligible medical expenses under IRS guidelines, though patients should verify with their HSA or FSA administrator if they have questions about a specific service category.
What happens to my billing and coverage if my insurance changes during an active course of treatment?
Please notify our administrative team as soon as you know your coverage is changing so we can verify whether the incoming plan includes this practice in its network and what, if any, authorization requirements apply to continued treatment. A lapse in notification can create retroactive billing complications that are difficult to resolve after the fact.
Is a good-faith estimate of costs available before I begin care?
Under the No Surprises Act, uninsured and self-pay patients have the right to receive a good-faith estimate of expected charges before scheduled services. We provide this documentation upon request and will review it with you so that costs are understood in advance rather than discovered on a statement.
Why might my copay for a psychiatric visit differ from what I pay for a therapy session, even within the same plan?
Many insurance plans distinguish between evaluation and management visits, which psychiatrists typically bill under medical codes, and psychotherapy sessions, which carry separate billing codes — and plan cost-sharing may differ between those two categories. Your explanation of benefits should reflect the correct code applied to each visit, and our billing staff is available to clarify any discrepancy you notice.
Coverage questions? We will check for you.
Tell us your plan when you reach out — we will verify benefits before your first visit.