Mental Health Care Covered by Insurance
We are in-network with major insurance providers, ensuring accessible care for our patients.
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Find a mental health provider that accepts your insurance
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How much do appointments cost?
The final cost of your visit depends on the details of your coverage.
Prices may vary based on the type of service, location, and insurance coverage. InSite Health accepts various insurance plans, which may help reduce out-of-pocket costs. For exact pricing and coverage details, we recommend contacting InSite Health directly.
The best way to estimate your visit cost is to contact your insurance company directly, as it depends on your specific plan details. For some patients, the cost may be just a copay; if you have an unmet deductible, it may be higher. Call the number on your insurance card and ask about coverage for outpatient psychiatric services. Upon request, we can also provide a Good Faith Estimate outlining expected charges.
No, you don’t have to use insurance. We accept both insured patients and private-pay patients. If you choose to pay privately, we can provide you with the information you need to manage payments directly. Please call us at 833-494-6724.
Yes. If your balance is over $250, you can set up a payment plan. Once you receive your first statement, you can enroll online and choose between monthly or biweekly payments. The minimum payment is $50, and you’ll have up to 6 months to complete repayment.
If you have out-of-network (OON) benefits for behavioral health services, our practice will still see you—we’ll submit claims on your behalf to help you receive any reimbursement your plan allows. Here’s what you can expect:
Reimbursement & Fees: You’ll be responsible for our full fee at the time of service. After we file your claim, your insurer will reimburse you directly for the portion covered under your OON benefits.
Superbills: We’ll provide a detailed receipt (a “superbill”) showing diagnosis codes, service dates, and fees. You can submit this to your insurer for reimbursement if needed.
Estimate of Benefits: Before your first appointment, we can request a benefits check from your insurer to estimate your OON coverage percentage and any deductible or coinsurance you may owe.
Pre-authorization: Some plans require pre-authorization for certain levels of care (e.g., intensive outpatient). If yours does, we’ll partner with you to obtain approval prior to beginning treatment.
To make your experience as convenient as possible, we accept:
Credit & Debit Cards (Visa, MasterCard, American Express, Discover)
Electronic Funds Transfer (via our secure patient portal)
Health Savings Account (HSA) & Flexible Spending Account (FSA) Cards
Paper Checks (made payable to our practice)
Sliding-scale payments or payment plans, where eligible—just let us know if you need assistance setting up a plan.
We electronically submit all insurance claims through a HIPAA-compliant clearinghouse, typically within 48 hours of your appointment. Here’s how it works:
Claim Generation: After each session, our billing team creates a claim detailing your provider’s services, diagnosis codes, and fees.
Electronic Submission: Claims are sent directly to your insurer via our clearinghouse—this speeds processing and reduces errors.
Tracking & Follow-Up: We track each claim’s status and follow up on any denials or requests for additional information.
Explanation of Benefits (EOB): Once processed, your insurance company issues an EOB to you (and to us, if requested), showing what they paid and what portion remains your responsibility.
Patient Billing: If there’s a remaining balance after insurance, we’ll bill you for the deductible or coinsurance.
If you ever need a paper claim form or additional documentation, just let us know—our billing team is here to help.
Understanding Your Benefits
In our quest to expand healthcare accessibility, we make sure that you understand all the jargon and know what to expect from your mental health insurance benefits.
A set fee that a patient owes at the time of service. This amount is determined by the insurance company and is often printed on the patient’s insurance card. This amount is typically owed by the patient even after they satisfy their deductible. This depends on the plan.
The amount the patient pays each year for eligible medical services or medicines before their insurance plan kicks in. It may or may not include copays. Many costs for eligible medical services count toward your deductible. Examples include bills for hospitalization, surgery, lab tests, MRIs, CAT scans, anesthesia, physical therapy, medical devices like pacemakers, mental health care and chiropractic care.
A portion of medical cost that you pay even after your deductible is satisfied. Coinsurance is not part of every insurance plan. Your plan kicks in after you exceed your deductible but coinsurance continues to be the patient’s responsibility. This amount is set by the insurer.
You don’t have to pay copays and coinsurance forever. You only pay until you hit your out-of-pocket maximum. This is the most you could pay for covered medical expenses in a year. This amount includes money you spend on deductibles, copays and coinsurance. Once you reach your annual out-of-pocket maximum, your insurance will pay your covered medical and prescription costs for the rest of the year. Your out-of-pocket maximum is usually different for in-network vs. out-of-network services.
Yes, we bill your insurance directly. You won’t receive a statement from us until after your insurer processes the claim. The timing can vary depending on your insurance company — some patients may not receive a bill for several weeks. If you’d like to know your expected costs in advance, we recommend contacting your insurer for the most accurate information.
