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)
  • Evernorth Behavioral Health
  • UnitedHealthcare / Optum Behavioral Health
  • Beacon Health Options (Carelon Behavioral Health)
  • Aetna

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 my psychiatrist can prescribe certain medications?
Some plans do require prior authorization for specific medication classes, and our administrative team initiates and manages that process on your behalf. We cannot guarantee approval, since authorization decisions rest with your insurer, but we submit supporting clinical documentation promptly and follow up when there are delays.
Can I use my HSA or FSA card to pay for appointments at Bayshore?
Yes. Mental health services, including psychiatric evaluations, therapy sessions, and medication management visits, are qualified medical expenses under IRS guidelines, making them eligible for payment through health savings accounts and flexible spending accounts. You may use your HSA or FSA card directly at the time of service.
What happens to my billing if my insurance plan changes during the course of treatment?
If your coverage changes, please notify us as soon as you receive the new insurance information, ideally before your next appointment. Our billing team will verify your new benefits and walk you through any changes to your estimated cost share before your next session so there are no surprises on your statement.
If Bayshore is out of network with my plan, is there a way to submit claims myself for partial reimbursement?
We can provide a detailed superbill after each appointment that includes the procedure codes, diagnosis codes, and provider credentials your insurer needs to process an out-of-network claim. Reimbursement rates vary considerably by plan and benefit tier, and we recommend calling your insurer before your first appointment to understand what your out-of-network mental health benefit covers.
What is a good-faith estimate, and will I receive one?
Under the No Surprises Act, uninsured and self-pay patients are entitled to a written good-faith estimate of expected charges before scheduled services begin. We provide this estimate automatically during intake, and you may request an updated estimate at any point if your service plan changes.

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