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.

  • Humana (commercial)
  • Blue Cross Blue Shield (regional plans)
  • Cigna
  • Anthem Blue Cross Blue Shield (state plans)
  • Evernorth Behavioral Health
  • Beacon Health Options (Carelon Behavioral Health)
  • Tricare (regional)

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 Alpine Medical accept insurance, or is this a self-pay practice?
We accept a range of commercial insurance plans. Coverage varies by plan and by clinician type — psychiatric services and therapy services are sometimes handled by different benefit structures within the same policy. We verify your benefits before your first appointment so you know your estimated cost in advance.
What is a good-faith estimate, and will I receive one?
Under the No Surprises Act, uninsured and self-pay patients are entitled to a good-faith estimate of expected charges before scheduled services. Alpine Medical provides this documentation as standard practice. If you have questions about what the estimate includes, our billing team can walk through it with you.
Can I use an HSA or FSA to pay for appointments?
Yes. Mental health services at Alpine Medical are qualified medical expenses under IRS guidelines, making them eligible for payment via Health Savings Account or Flexible Spending Account. Keep your explanation of benefits and receipts for your own records.
My insurance plan is changing mid-treatment. What should I do?
Notify us as soon as you know about the change — ideally before the new coverage takes effect. We will re-verify your benefits and advise on whether your new plan covers your clinician. If there is a gap, we can discuss self-pay bridge options so care continuity is not disrupted.
If Alpine Medical is out-of-network for my plan, can I still get partial reimbursement?
Many PPO plans offer out-of-network benefits. We can provide a detailed superbill after each session, which you submit directly to your insurer for reimbursement at your plan's out-of-network rate. We recommend calling your insurer in advance to understand your specific reimbursement percentage and any deductible requirements.
Does the copay I pay ever change between appointments?
Copays are set by your insurance plan, not by us, and they can shift across a calendar year as you meet deductibles or as your plan resets. Some patients see their out-of-pocket cost drop significantly after meeting their annual deductible. We do not control these changes, but we will update your cost estimate whenever your benefit structure shifts.

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