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.
- Beacon Health Options (Carelon Behavioral Health)
- Anthem Blue Cross Blue Shield (state plans)
- Blue Cross Blue Shield (regional plans)
- Aetna
- UnitedHealthcare / Optum Behavioral Health
- Cigna
- Tricare (regional)
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 Crossroads Medical accept insurance, and how does in-network billing actually work here?
We participate with a number of commercial insurance plans and will verify your specific coverage before your first appointment so that you are not surprised by what your plan does or does not cover. In-network billing means we submit claims directly; your responsibility is limited to whatever cost-sharing your plan specifies, whether that is a copay, a coinsurance percentage, or spending toward a deductible.
What is a superbill, and when would I need one from you?
A superbill is an itemized receipt that includes the diagnostic and procedure codes your insurance carrier needs to process an out-of-network reimbursement claim. If you carry a plan with out-of-network benefits and Crossroads Medical is not in your plan's network, we can provide a superbill after each appointment that you submit directly to your insurer for partial reimbursement. The rate of reimbursement depends entirely on your plan's out-of-network benefit structure.
Can I use an HSA or FSA card to pay for appointments?
Yes. Mental health services, including psychotherapy and psychiatric evaluations, are qualified medical expenses under IRS guidelines, which means Health Savings Account and Flexible Spending Account funds can be applied to your balance here. If your card is declined at the point of payment, a standard payment method can be used and reimbursement requested from your account administrator separately.
What happens to my billing if my insurance changes while I am in ongoing treatment?
If your insurance changes mid-treatment, please notify our administrative team as soon as possible, ideally before your next appointment. We will verify whether your new plan includes Crossroads Medical as an in-network provider and walk you through what changes, if anything, in your cost-sharing responsibility. A gap in coverage does not have to mean a gap in care, and we will work with you to understand your options.
What is the No Surprises Act, and how does it apply to my care here?
Under federal law, uninsured and self-pay patients have the right to receive a good-faith estimate of expected charges before any scheduled service. Crossroads Medical provides this estimate upon request and proactively for self-pay patients scheduling a new episode of care. The estimate reflects anticipated charges based on your treatment plan at the time of scheduling and will be updated if your plan of care changes materially.
Do copays vary between psychiatry and therapy appointments, and why?
Yes, in most cases. Psychiatric appointments and psychotherapy sessions are billed under different procedure codes, and many insurance plans assign different cost-sharing amounts to each. Your plan documents or the member services line on your insurance card is the definitive source for your specific amounts, and our billing team can help you interpret what you find there.
Coverage questions? We will check for you.
Tell us your plan when you reach out — we will verify benefits before your first visit.