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.

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

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 Crestline accept insurance, or is this an out-of-pocket practice?
We accept a select panel of commercial insurance plans and also see patients on a self-pay basis. If you are out-of-network with your insurer, we provide itemized superbills after each session so you can seek reimbursement directly from your plan. Contact our billing team before your first appointment to confirm your specific coverage.
Will my psychiatrist need prior authorization before prescribing a medication?
Some insurers require prior authorization for certain medication classes, including some atypical antipsychotics, stimulants, and brand-name agents. Our clinical and billing staff initiate prior auth requests on your behalf and communicate status to you promptly. We do not delay clinically indicated prescribing while waiting on administrative approval when a clinically appropriate alternative exists.
Can I use my HSA or FSA to pay for sessions?
Yes. Psychiatric and psychotherapy services qualify as medical expenses under IRS guidelines. You can use HSA or FSA funds for copays, deductibles, coinsurance, and self-pay session fees. Bring your card to the appointment or provide it on file during intake.
What happens to my billing if my insurance plan changes mid-treatment?
Notify us as soon as you know your coverage is changing. Our billing team will verify your new plan's behavioral health benefits before your next appointment so there are no billing surprises. If your new plan is not one we accept in-network, we will walk you through self-pay and superbill options so care is not interrupted.
Am I entitled to a good-faith estimate of costs before I start care?
Yes. Under the No Surprises Act, uninsured and self-pay patients have the right to a good-faith estimate of expected charges before their first appointment. We provide this estimate in writing during intake. If your actual charges exceed the estimate by more than $400, you have the right to dispute the bill through the federal process.
Do copays vary between my psychiatry and therapy appointments?
Often yes. Insurers typically assign different cost-sharing to evaluation and management codes used in psychiatry versus the psychotherapy codes used by licensed therapists. Your explanation of benefits will reflect those distinctions. We recommend calling the member services number on your insurance card to confirm your specific cost-sharing before your first session.

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