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)
  • Humana (commercial)
  • Beacon Health Options (Carelon Behavioral Health)
  • Evernorth Behavioral Health
  • Anthem Blue Cross Blue Shield (state plans)
  • Magellan Health
  • 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

Can I receive a good-faith estimate of costs before starting care?
Yes. Under the No Surprises Act, you have the right to a good-faith estimate of expected charges before your first appointment. We will provide that estimate in writing, and our billing team is available to walk you through what it reflects.
What happens to my coverage if my insurance plan changes while I am in the middle of treatment?
If your insurance changes, please let us know as soon as possible so we can check whether your new plan includes Lakefront Medical Partners in network. If it does not, we can discuss your options, which may include continuing on an out-of-network basis or a transition plan.
Do you provide superbills for patients who want to seek out-of-network reimbursement?
We do. A superbill is an itemized receipt containing the diagnostic and procedure codes your insurance company needs to process an out-of-network claim. We can provide these upon request, and many patients find that their out-of-network benefits cover a meaningful portion of the cost.
Can I use my HSA or FSA to pay for appointments?
Yes, health savings account and flexible spending account funds can generally be applied to behavioral health services. We accept HSA and FSA cards as a form of payment, and we recommend confirming the details with your account administrator if you have questions about eligible expenses.
Why might my copay vary between a therapy session and a psychiatric appointment?
Insurance plans often apply different cost-sharing structures to different service types, and the billing codes for a psychiatric evaluation, a medication management visit, and a psychotherapy session are distinct. Your explanation of benefits from your insurer will itemize how each type of visit was processed.

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