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)
  • Anthem Blue Cross Blue Shield (state plans)
  • Magellan Health
  • Cigna
  • Evernorth Behavioral Health

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 Silver Ridge handle prior authorization for psychiatric medications, or is that my responsibility?
Prior authorization requests are initiated by our prescribing clinicians and submitted to your insurer directly. We handle the clinical documentation portion. However, insurers sometimes require policyholder involvement for appeals, and we will notify you promptly if that situation arises.
What happens to my coverage and billing if my insurance plan changes while I am in active treatment?
Notify us as soon as you know about the change, ideally before your next appointment. Our billing team will verify your new benefits and provide an updated estimate of your out-of-pocket cost before the change takes effect. Continuity of care is the priority — we work around insurance transitions, not against them.
Can I use an HSA or FSA card to pay for sessions?
Yes. Mental health services from licensed providers qualify as eligible medical expenses under IRS guidelines for both Health Savings Accounts and Flexible Spending Accounts. You can use those funds for copays, coinsurance, or self-pay balances.
If I have out-of-network benefits, how does reimbursement work?
Silver Ridge can provide a detailed superbill after each appointment — an itemized receipt with all the diagnostic and procedure codes your insurer needs to process an out-of-network claim. You submit the superbill directly to your plan. Reimbursement rates and timelines vary by insurer, and we recommend confirming your out-of-network benefit percentages with your carrier before starting care.
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 written good-faith estimate of expected costs before scheduled services begin. Silver Ridge provides this automatically. If your actual bill exceeds the estimate by more than $400, you have the right to dispute it through a federal process, and we will explain that process if needed.

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