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.

  • Tricare (regional)
  • Blue Cross Blue Shield (regional plans)
  • Cigna
  • Evernorth Behavioral Health
  • Beacon Health Options (Carelon Behavioral Health)
  • Magellan Health
  • Aetna
  • 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

Does Palmetto Medical require prior authorization before starting psychiatric medication management?
Some insurance plans require prior authorization for certain medications, and we handle that process directly with your insurer on your behalf. We will always tell you when an authorization is needed and keep you informed of the status so there is no unexpected gap in your care.
If I use out-of-network benefits, can you provide a superbill for reimbursement?
Yes. For patients who carry out-of-network benefits through their insurance plan, we provide itemized superbills after each session or on a monthly basis, whichever you prefer. Many patients find that their out-of-network benefit covers a meaningful portion of the cost; contacting your insurer before your first appointment is the best way to understand what to expect.
Can I use HSA or FSA funds to pay for appointments?
Psychiatric and psychotherapy services are qualified medical expenses under IRS guidelines, so health savings accounts and flexible spending accounts are accepted forms of payment. If you need a letter of medical necessity for your HSA or FSA administrator, your clinician can provide one.
What happens to my billing if my insurance plan changes mid-treatment?
Insurance changes mid-treatment are more common than most people expect, and our billing team is experienced at navigating them with minimal disruption to your care. We ask that you notify us as soon as you know a change is coming so we can verify new benefits before your next appointment and discuss any adjustments to your cost-sharing.
Am I entitled to a good-faith estimate of costs before I begin care?
Under the No Surprises Act, uninsured and self-pay patients have the right to receive a good-faith estimate of expected costs before services begin. We provide this documentation during the intake process, and we encourage you to ask questions about any figure on that estimate before you commit to starting.
Do copays vary between psychiatry and therapy appointments?
They often do, because insurance plans frequently apply different cost-sharing to evaluation and management visits versus psychotherapy visits. Your specific copay or coinsurance for each service type will be confirmed during benefits verification before your first appointment, so you will not encounter any surprises at checkout.

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