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.

  • Magellan Health
  • Tricare (regional)
  • Humana (commercial)
  • Evernorth Behavioral Health
  • Aetna
  • Anthem Blue Cross Blue Shield (state plans)

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

What does a good-faith estimate mean for me before I begin treatment?
Under the No Surprises Act, you have the right to a written good-faith estimate of expected charges before services begin. Bridge Street Medical provides this estimate at intake so that you can make an informed decision about starting care; the actual cost of ongoing treatment may vary depending on frequency and service type, and we will update estimates when your plan changes significantly.
If my insurance requires prior authorization for psychiatric services, how is that handled?
Prior authorization requirements vary by plan and by the specific service — certain types of psychiatric evaluation or intensive outpatient programming commonly require them. Our billing staff initiates the authorization process as early in your intake as possible, and we communicate directly with your insurer on your behalf; we will notify you of any decision and explain your options if authorization is denied.
Can I use HSA or FSA funds to pay for sessions at Bridge Street Medical?
Yes. Payments for psychiatric and psychotherapy services at this practice are eligible medical expenses under most Health Savings Account and Flexible Spending Account plans. We recommend confirming the specifics with your plan administrator, as rules about what qualifies can differ between account types.
If I am seen as an out-of-network patient, what does the superbill process look like?
Patients who carry out-of-network benefits can request an itemized superbill after each session or on a monthly basis; this document contains the procedure and diagnosis codes your insurer needs to process a reimbursement claim. Reimbursement rates and timelines are determined entirely by your specific plan, and we recommend calling the member services number on your card to understand your out-of-network coverage before your first appointment.
What happens to my billing arrangement if my insurance plan changes mid-treatment?
Insurance changes happen, and we ask that you notify us as soon as you know a change is coming — ideally before it takes effect. Our billing team will verify your new coverage, determine whether Bridge Street Medical participates in your new network, and discuss your options with you so that a coverage gap does not become an interruption in care.

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