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.
- Humana (commercial)
- Cigna
- Evernorth Behavioral Health
- UnitedHealthcare / Optum Behavioral Health
- Beacon Health Options (Carelon Behavioral 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 Cardinal Health Services require prior authorization before my first psychiatric appointment, and who manages that process?
Whether prior authorization is required depends on your specific insurance plan and the service being rendered. Our billing staff will verify authorization requirements when you schedule and will initiate any necessary prior authorization request on your behalf. We recommend that patients also confirm their plan's behavioral health benefits independently, as coverage determinations ultimately rest with the insurer.
If I am seen out-of-network, can I receive documentation to submit to my insurance company for partial reimbursement?
Yes. Patients who are seen on an out-of-network basis receive a superbill following each appointment, which contains the diagnostic codes, procedure codes, clinician credentials, and all other information a commercial insurer typically requires for out-of-network reimbursement review. Submission and any follow-up with your plan is the patient's responsibility, though our billing team is available to answer questions about what the superbill contains.
Are Health Savings Account and Flexible Spending Account funds accepted as payment?
Yes. Payments made with HSA and FSA cards are accepted at Cardinal Health Services for qualifying services, which generally include psychiatric evaluation, medication management, and psychotherapy. Patients using an FSA with a use-it-or-lose-it deadline should coordinate appointment timing accordingly, as we cannot retroactively date payments.
What happens to my cost-sharing obligations if my insurance plan changes while I am actively in treatment?
A change in insurance plan mid-treatment requires a new benefits verification on our end, and your copay, coinsurance, or deductible responsibility may shift materially depending on the new plan's behavioral health terms. We ask that patients notify our billing team as soon as a plan change is known so we can verify the updated benefits before your next appointment and avoid unexpected balances.
Under the No Surprises Act, am I entitled to a cost estimate before I begin care?
Yes. Uninsured patients and patients who request one are entitled to a good-faith estimate of expected charges under the No Surprises Act. We will provide that estimate in writing prior to your first appointment. If you are covered by insurance, your actual out-of-pocket costs will depend on your plan's adjudication, which can differ from any pre-service estimate.
Coverage questions? We will check for you.
Tell us your plan when you reach out — we will verify benefits before your first visit.