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)
  • Cigna
  • Beacon Health Options (Carelon Behavioral Health)
  • Anthem Blue Cross Blue Shield (state plans)
  • Humana (commercial)
  • Blue Cross Blue Shield (regional 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 Citrus Medical Associates require prior authorization for psychiatric medication management visits?
Prior authorization requirements vary by insurance plan and are not within our control to waive. What we can do is communicate with your insurer on your behalf when authorization is needed and alert you early if a request is delayed, so your care timeline is not interrupted without warning.
If I am seen out-of-network, can I receive a superbill for reimbursement?
Yes. Patients who carry out-of-network benefits can receive an itemized superbill following each session, which contains the procedure and diagnosis codes your insurer requires. Reimbursement rates and timelines are set entirely by your plan, and we recommend calling your insurer before your first appointment to confirm what your out-of-network benefit actually covers.
Can I use an HSA or FSA card to pay for services?
Health Savings Account and Flexible Spending Account cards are accepted for eligible mental health services. If you are uncertain whether a specific service qualifies under your account's rules, your HSA or FSA administrator is the authoritative source, as eligibility rules can differ by plan design.
What happens to my cost-sharing if my insurance plan changes during treatment?
A change in your insurance mid-treatment affects your copays, deductibles, and potentially our in-network status for your new plan. We ask that patients notify us of any coverage change as soon as it is known so we can verify your new benefits and discuss any implications before they surface on a bill.
What is the Good Faith Estimate, and when will I receive one?
Under the No Surprises Act, uninsured and self-pay patients are entitled to a written Good Faith Estimate of expected charges before scheduled services. We provide this estimate upon request and automatically for any patient who is not using insurance, so you have a clear sense of projected costs before your appointment 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