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.

  • Magellan Health
  • Tricare (regional)
  • Beacon Health Options (Carelon Behavioral Health)
  • Blue Cross Blue Shield (regional plans)
  • Cigna
  • Evernorth 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 Eastward Medical Group accept insurance, or is this a self-pay practice?
We accept a number of commercial insurance plans. Coverage varies by plan and service type, so we verify your specific benefits before your first appointment and walk you through what to expect in terms of cost.
What is a superbill and can I get one if you are out of network for my plan?
A superbill is an itemized receipt with the diagnostic and procedure codes your insurance carrier needs to process an out-of-network claim. If we are not in-network with your plan, we provide superbills upon request so you can submit for reimbursement directly. Reimbursement rates depend entirely on your plan's out-of-network benefits.
Can I use an HSA or FSA to pay for sessions?
Yes. Mental health services including psychiatry and psychotherapy are qualified medical expenses under IRS guidelines. HSA and FSA cards are accepted at this practice.
What happens to my billing if my insurance changes in the middle of treatment?
Notify us as soon as your coverage changes. We will verify your new plan's benefits and let you know whether we are in-network, what your new cost-sharing looks like, and whether any prior authorization is needed to continue care without interruption.
Are prior authorizations required for psychiatric medication management?
Some insurance plans require prior authorization before covering certain medications. When that comes up, our clinical and administrative staff handles the authorization process directly with your carrier. We keep you informed of the status so there is no gap in your care.
What is the No Surprises Act good-faith estimate and do I receive one?
Under the No Surprises Act, uninsured and self-pay patients are entitled to a written good-faith estimate of expected costs before services begin. We provide this automatically. If you have questions about your estimate, our billing team addresses them before your first appointment.

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