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.

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

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 Pacific Crest Medical accept insurance, and what does in-network coverage typically look like for psychiatric services?
The practice participates with a range of insurance plans, and in-network benefits generally apply to both psychiatric evaluations and ongoing medication management visits. Coverage for psychotherapy sessions varies by plan and benefit tier. We verify your specific benefits before your first appointment so you have an accurate picture of what your plan will cover.
If my insurance requires prior authorization for psychiatric medication management, how is that handled?
Prior authorization requests are submitted by our clinical and billing staff on your behalf. We track authorization timelines and communicate with your insurer directly. If a prior auth is delayed or denied, your clinician will review alternatives with you so that care is not interrupted while the administrative process resolves.
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. Mental health services at Pacific Crest Medical qualify as eligible expenses under most HSA and FSA plans, and payment by those accounts is accepted. For patients with out-of-network benefits, we provide detailed superbills containing all the coding and provider information your insurer requires to process a reimbursement claim.
What happens to my billing and coverage if my insurance changes while I am mid-treatment?
Contact the practice as soon as you know your coverage is changing. Our billing team will verify your new plan's benefits and identify whether your current clinician is in-network under the new policy. We will walk through your options with you before the coverage transition takes effect so that continuity of care is preserved wherever possible.
Under the No Surprises Act, am I entitled to a cost estimate before my first appointment?
Yes. Uninsured patients and patients choosing to pay out-of-pocket are entitled to a good-faith estimate of anticipated charges under federal law. Pacific Crest Medical provides this estimate before your first visit. If you have insurance, your explanation of benefits will reflect the contracted rates applicable to each service.

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