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.

  • UnitedHealthcare / Optum Behavioral Health
  • Anthem Blue Cross Blue Shield (state plans)
  • Tricare (regional)
  • Magellan Health
  • Beacon Health Options (Carelon Behavioral Health)
  • Aetna
  • Cigna

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 begin psychiatric care?
Some insurance plans do require prior authorization for psychiatric medication management, particularly for certain medication classes. Our administrative team will verify your benefits before your first appointment and communicate directly with your insurer if prior authorization is needed so that process does not fall to you to navigate alone.
What is a superbill, and when would I need one?
A superbill is an itemized receipt containing the diagnostic and procedure codes your insurer needs to process a reimbursement claim when you are being seen as an out-of-network patient. If 3 Peaks Medical is not in-network with your plan, we can provide a superbill after each appointment so you can submit it to your insurance carrier for potential out-of-network reimbursement at the rate your plan allows.
Can I use my HSA or FSA account to pay for sessions?
Yes. Health Savings Account and Flexible Spending Account funds are generally eligible for use toward outpatient mental health services, including psychiatric evaluation, medication management appointments, and psychotherapy. We recommend confirming the specific terms of your account with your plan administrator, as rules can vary.
What happens to my cost-sharing if my insurance plan changes mid-treatment?
A plan change mid-treatment can affect your copay, deductible status, and whether 3 Peaks Medical remains in-network for your new coverage. If your insurance changes, contact us promptly so we can re-verify your benefits and give you an accurate picture of what your costs will look like going forward — before you arrive for your next appointment.
What is the No Surprises Act good-faith estimate, and do I receive one?
Under the No Surprises Act, uninsured and self-pay patients have the right to receive a good-faith estimate of expected charges before care begins. At 3 Peaks Medical, we provide this estimate upon request and automatically for patients scheduling without insurance coverage, so you have a clear sense of anticipated costs before any clinical work takes place.

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