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.

  • Cigna
  • Blue Cross Blue Shield (regional plans)
  • UnitedHealthcare / Optum Behavioral Health
  • Evernorth Behavioral Health
  • Aetna
  • Humana (commercial)

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

Will my insurance require prior authorization before I can start therapy or psychiatry appointments?
Some plans do require prior authorization for ongoing therapy or for certain psychiatric services, and requirements vary significantly by insurer. Our billing team reviews authorization needs before your first appointment and handles the submission process on your behalf so that administrative friction doesn't delay your care.
Can I use my HSA or FSA card to pay for sessions?
Yes. Mental health services, including therapy and psychiatric visits, are qualified medical expenses under IRS guidelines, so HSA and FSA funds can be applied to copays, deductibles, and any out-of-pocket session costs. If you'd like a detailed receipt for your records, we can provide one upon request.
What happens if my insurance plan changes partway through treatment?
We ask that you notify us as soon as you know about a coverage change, ideally before your next appointment. Our billing team will verify your new benefits, confirm whether Magnolia Health is in-network under the new plan, and walk you through any changes to your cost-sharing before they take effect.
If Magnolia Health is out-of-network with my plan, can I still get reimbursed?
Many plans with out-of-network benefits will reimburse a portion of session costs after you meet your out-of-network deductible. We can provide a detailed superbill, which is an itemized receipt with all the codes your plan needs, that you submit directly to your insurer for reimbursement. We recommend calling the member services number on your insurance card to understand your specific out-of-network benefit before your first visit.
How does the No Surprises Act protect me as a patient here?
Under the No Surprises Act, you have the right to a good-faith estimate of expected costs before your care begins or whenever you request one. Magnolia Health provides this estimate in writing so you understand your anticipated out-of-pocket costs without unexpected bills arriving later.

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