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.

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

Will my insurance require a prior authorization before I can start psychiatric care?
Some insurance plans require prior authorization for psychiatric services, particularly for certain medications or for a higher frequency of appointments. Our billing team reviews your coverage before your first appointment and will notify you if an authorization is needed and what that process involves, so there are no surprises on your end.
Can I use an HSA or FSA account to pay for my sessions?
Yes. Health savings account and flexible spending account funds are generally applicable to outpatient mental health services, including psychiatry and therapy. We recommend confirming the specific eligible expenses with your plan administrator, but in most cases your appointments here will qualify.
What happens if my insurance plan changes during ongoing treatment?
A mid-treatment insurance change is one of the more disruptive things that can happen to continuity of care, and we take it seriously. Please notify our billing team as soon as you know a change is coming. We will verify your new coverage promptly and walk you through any shifts in what you will owe before they take effect, so you can make informed decisions about continuing care.
How does out-of-network reimbursement work if Buckeye Health Associates is not in my plan's network?
If we are out of network with your insurer, we can provide a detailed superbill after each session, which you can submit to your insurance company for partial reimbursement according to your plan's out-of-network benefits. Reimbursement rates and processes vary by plan, and we are happy to walk you through what a superbill includes and how to submit one.
Am I entitled to a good-faith cost estimate before treatment begins?
Yes. Under the No Surprises Act, you have the right to a good-faith estimate of expected charges before services begin, particularly if you are uninsured or choosing to pay out of pocket. We provide these estimates before your first appointment and are available to answer questions about what they include.

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