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.

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

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 Evergreen Medical accept insurance, and how do I know what my plan will actually cover before my first appointment?
We work with a range of insurance plans and will verify your benefits before your initial visit so you have a realistic picture of what to expect. Because behavioral health coverage varies widely even within the same insurer, we walk through the specifics with you rather than offering a general answer that may not reflect your actual plan.
Will my psychiatrist or therapist need to obtain prior authorization from my insurance plan before we begin?
Some insurance plans require prior authorization for psychiatric evaluations or ongoing therapy, and some do not. Our billing team handles the authorization process on your behalf and will let you know if there are any delays or limitations identified before your care begins, so there are no unexpected interruptions.
What happens to my coverage and billing if my insurance plan changes partway through treatment?
A mid-treatment plan change requires us to re-verify your benefits and, in some cases, reauthorize services under the new carrier. We ask that you notify us as soon as you know a change is coming so we can manage the transition without a gap in your scheduled appointments. We will explain any changes to your expected cost share before they take effect.
Can I use an HSA or FSA account to pay for sessions, and do you provide documentation for out-of-network reimbursement?
Yes on both counts. Payments from health savings accounts and flexible spending accounts are accepted. If you carry out-of-network benefits, we provide an itemized superbill with the coding your plan requires to process a reimbursement claim — though reimbursement decisions rest with your insurer, not with us.
What is a good-faith estimate, and will I receive one before my first appointment?
Under the No Surprises Act, you have the right to a good-faith estimate of expected charges before scheduled services begin. Evergreen Medical provides this estimate to all patients prior to the initial appointment so you can make an informed decision about moving forward without financial uncertainty.

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