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
- Magellan Health
- Tricare (regional)
- Cigna
- Humana (commercial)
- Blue Cross Blue Shield (regional plans)
- Beacon Health Options (Carelon 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
Does Gateway Health accept insurance, and how does in-network coverage work for integrated psychiatric and therapy services?
Gateway Health participates with a number of commercial insurance plans and will verify your specific benefits before your first appointment. Because psychiatric and psychotherapy services are billed under distinct procedure codes, your coverage levels may differ between the two service lines; we will clarify those specifics during the intake process so there are no surprises at the time of service.
If my insurance requires prior authorization for psychiatric services, how does the practice handle that process?
Prior authorization requirements vary by payer and plan tier. Gateway Health's billing staff initiates authorization requests on your behalf and communicates with your insurer directly, but patients should be aware that authorization decisions rest with the insurer and that approved authorization does not guarantee full payment. We will inform you of the outcome and of any cost implications before scheduled services begin.
Can I use a superbill for out-of-network reimbursement if Gateway Health does not participate with my plan?
Yes. For patients with out-of-network benefits, Gateway Health provides itemized superbills containing the diagnostic and procedure codes your insurer requires for reimbursement review. Reimbursement decisions are made by your insurer according to your plan's out-of-network terms; we recommend contacting your plan before your first appointment to understand what percentage is typically reimbursed and whether a deductible applies.
Are HSA and FSA cards accepted for copays, deductibles, or self-pay balances?
Health Savings Account and Flexible Spending Account cards are accepted for eligible mental health expenses, including copays, coinsurance, deductibles, and self-pay fees. If you are uncertain whether a specific service qualifies under your HSA or FSA terms, the plan administrator rather than the practice is the appropriate source to confirm eligibility.
What happens to my billing situation if my insurance plan changes during an ongoing course of treatment?
If your insurance changes mid-treatment, please notify Gateway Health as promptly as possible. Our billing team will re-verify benefits under the new plan and discuss any changes to your cost-sharing responsibilities before your next appointment. Continuity of care is a clinical priority, and the billing team works to navigate plan transitions without interrupting your treatment schedule where possible.
Is a Good Faith Estimate available, and when will I receive one?
Under the No Surprises Act, uninsured and self-pay patients have the right to a Good Faith Estimate of expected charges before scheduled services. Gateway Health provides this estimate upon request or automatically during intake for self-pay appointments. The estimate reflects anticipated costs based on the services discussed; actual charges may differ if the clinical scope of care changes, and we will communicate any material changes in advance.
Coverage questions? We will check for you.
Tell us your plan when you reach out — we will verify benefits before your first visit.