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
  • Humana (commercial)
  • Evernorth Behavioral Health
  • Anthem Blue Cross Blue Shield (state plans)
  • Aetna
  • Blue Cross Blue Shield (regional plans)
  • 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 Constellation Medical Partners accept insurance for telehealth visits?
Yes. Many major commercial plans cover telehealth psychiatric and therapy services in California. We verify your benefits before your first appointment so you know your actual costs upfront, not after the fact.
What is a superbill and will I receive one if I pay out of pocket?
A superbill is an itemized receipt that includes the diagnostic and procedure codes your insurance company needs to process an out-of-network reimbursement claim. We provide superbills upon request for every session, formatted to meet carrier requirements.
Can I use my HSA or FSA card to pay for sessions?
Health savings and flexible spending accounts are accepted for all services. Psychiatric care and licensed psychotherapy qualify as medical expenses under IRS guidelines, so your pre-tax dollars apply directly.
What happens to my coverage and copay if my insurance plan changes mid-treatment?
Notify our billing team as soon as you know about the change. We re-verify benefits under the new plan before your next visit and walk you through any difference in cost-sharing. Treatment continuity is the goal; an insurance transition should not interrupt your care.
Am I entitled to a good-faith estimate before I start care?
Yes. Under the No Surprises Act, you have the right to a written good-faith estimate of expected costs before services begin. We provide this automatically during intake for every new patient who is uninsured or choosing to self-pay.

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