Billing & Coverage

Insurance & Financing

We believe advanced mental healthcare should be accessible. Our team handles insurance verification and offers flexible options so you can focus on getting better.

No Surprise Billing

We verify costs before treatment begins

We Handle Prior Auth

Our team manages all insurance paperwork

Flexible Payment Options

Financing available for all treatments

Coverage

Accepted Insurance Plans

We are in-network with most major insurance carriers in New Jersey. If you don't see your plan listed, please contact us — we may still be able to help.

Aetna

In-Network

Blue Cross Blue Shield

In-Network

Cigna

In-Network

UnitedHealthcare

In-Network

Horizon BCBS

In-Network

Oxford

In-Network

Medicare

In-Network

Amerihealth

In-Network
Coverage Details

What's Covered by Insurance?

Coverage varies by plan and provider. Below is a general overview — our billing team will verify your specific coverage before treatment begins.

Treatment Coverage Status Prior Auth Required Notes
Psychiatric Evaluation Covered No Standard co-pay applies
Medication Management Covered No Follow-up visits included
TMS Therapy Covered Yes FDA-approved for depression; we handle PA
Spravato (Esketamine) Covered Yes FDA-approved; REMS certification required
Ketamine Infusions Self-Pay N/A Financing available; competitive pricing
Telehealth Sessions Varies No Check your plan's telehealth benefits
Simple Process

How Insurance Verification Works

Our team handles the insurance process from start to finish so you can focus on your health.

1

Contact Us

Call or fill out our online form with your insurance information and treatment interest.

2

We Verify Benefits

Our billing team contacts your insurance to verify coverage, co-pays, and deductible details.

3

Cost Breakdown

We provide a clear, transparent estimate of your costs before any treatment begins. No surprises.

4

Begin Treatment

Once everything is confirmed, we schedule your sessions and handle ongoing billing directly with your insurer.

Affordable Care

Financing Options

Everyone deserves access to advanced mental healthcare. We offer multiple payment pathways to make treatment affordable.

Competitive Self-Pay

Transparent, competitive pricing for patients paying out-of-pocket.

  • Clear upfront pricing
  • No hidden fees
  • Superbills provided for OON reimbursement
  • HSA/FSA accepted

Flexible Payment Plans

Spread the cost of treatment over time with our interest-free options.

  • 0% interest financing available
  • Monthly installment options
  • No credit check required
  • Customizable to your budget

Out-of-Network Support

We provide everything you need to maximize your out-of-network benefits.

  • Detailed superbills provided
  • Help with filing claims
  • OON benefit verification
  • Maximize reimbursement potential
Common Questions

Insurance & Billing FAQs

How do I know if my insurance covers TMS therapy?

Most major insurance plans cover TMS therapy for treatment-resistant depression. Our billing team will verify your specific coverage, including co-pays, deductibles, and prior authorization requirements, before treatment begins. Just provide your insurance details when you contact us.

What does "prior authorization" mean?

Prior authorization is approval from your insurance company before certain treatments can begin. It confirms that the treatment is medically necessary. Our team handles this entire process for you — we submit the required documentation and follow up with your insurer until approval is granted.

What if my insurance denies coverage?

If your insurance initially denies coverage, we will assist with the appeals process. Many denials are overturned on appeal. Additionally, we offer self-pay rates and flexible financing options as alternatives so you can still access the treatment you need.

Can I use my HSA or FSA for treatment?

Yes! Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be used to pay for our services, including TMS therapy, Spravato treatments, Ketamine infusions, and standard psychiatric consultations. These are tax-advantaged ways to cover your mental health treatment costs.

When is payment due?

Co-pays and deductibles are collected at the time of service. For self-pay patients, payment is due at the time of each session. If you're on a payment plan, installments are due according to the agreed-upon schedule. We accept all major credit cards, debit cards, HSA/FSA cards, cash, and checks.
Get Started

Verify Your Coverage Today

Our team will check your insurance benefits and provide a clear cost breakdown — completely free and with no obligation.

Check My Coverage or call (732) 555-1234
Your Health Comes First

Don't Let Cost Be a Barrier

We'll work with you to find the most affordable path to the care you deserve.

Book Your Consultation Today