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.

  • Blue Cross Blue Shield (regional plans)
  • Tricare (regional)
  • Anthem Blue Cross Blue Shield (state plans)
  • Magellan Health
  • Cigna
  • Beacon Health Options (Carelon Behavioral Health)
  • Humana (commercial)
  • 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 I can start therapy or psychiatry services?
Some plans do require prior authorization for outpatient behavioral health, and requirements vary widely. Our billing team checks your specific plan before your first appointment and will let you know if authorization is needed before care begins, so there are no unexpected denials mid-treatment.
What is a superbill, and when would I need one from your practice?
A superbill is an itemized receipt with the clinical codes your insurance company needs to process an out-of-network reimbursement claim on your behalf. If your plan has out-of-network behavioral health benefits, we can provide one upon request so you can submit for partial reimbursement directly through your insurer.
Can I use my HSA or FSA to pay for sessions at Brazos Valley Medical?
Yes. Mental health services are qualified medical expenses under IRS guidelines, which means your health savings account or flexible spending account funds can be applied to your balance. Just let our front desk know at the time of payment and we'll ensure the transaction is coded correctly.
What happens to my billing and coverage if I change insurance plans while I'm already in treatment?
Mid-treatment insurance changes can affect your cost-sharing, your in-network status with us, or both. We ask that you notify us as soon as you know a plan change is coming so our billing team can verify your new benefits and give you an updated picture of what to expect before your next session.
Under the No Surprises Act, am I entitled to a good-faith estimate of my costs?
You are. Any uninsured or self-pay patient has the right to a good-faith estimate of expected charges before receiving services, and we provide one as a standard part of our intake process. If you have insurance and want a clearer sense of your likely out-of-pocket costs, our billing team will walk through your benefits with you before you commit to scheduling.

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