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)
  • Blue Cross Blue Shield (regional plans)
  • Evernorth Behavioral Health
  • Aetna
  • Humana (commercial)
  • Cigna
  • UnitedHealthcare / Optum Behavioral Health
  • Anthem Blue Cross Blue Shield (state plans)

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 prior authorization before I can start psychiatric care?
Some insurance plans do require prior authorization for psychiatric services, particularly for certain medications or higher levels of care. Our billing team checks your specific plan before your first appointment and handles the authorization process on your behalf so that paperwork doesn't stand between you and care.
Can I use my HSA or FSA card to pay for sessions?
Yes. Mental health services — including therapy, psychiatric evaluation, and medication management appointments — are qualified medical expenses under IRS guidelines, making them eligible for payment through most Health Savings Accounts and Flexible Spending Accounts. If your card requires a specific provider code, our front desk can supply whatever documentation you need.
What happens to my coverage if my insurance plan changes mid-treatment?
A plan change mid-treatment doesn't have to mean a disruption in care. Reach out to us as soon as you know about the change — ideally before it takes effect — and we'll verify your new benefits, explain any differences in cost-sharing, and work with you on a continuity plan. In the interim, we can also provide a superbill for out-of-network reimbursement if there's a gap in coverage.
What is a superbill and when would I need one?
A superbill is an itemized receipt that includes the diagnostic and procedure codes your insurance company needs to process a reimbursement claim for out-of-network care. If your plan carries out-of-network benefits — many PPO plans do — you can submit a superbill directly to your insurer and receive partial reimbursement. We provide these upon request for any session.
How does the No Surprises Act protect me as a patient here?
Under the No Surprises Act, you have the right to receive a good-faith estimate of expected costs before your care begins, if you are uninsured or choose to pay out of pocket. Pelican Medical Group provides this estimate prior to your first appointment so you can make an informed decision without unexpected bills arriving later.
Do copays vary between therapy sessions and psychiatric appointments?
They often do, because insurance companies assign different procedure codes to psychotherapy and to evaluation-and-management visits like medication management. Your specific copay or coinsurance for each service type depends on your plan's benefits structure. We verify both amounts during your intake process so you know what to expect before you arrive.

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