Money is the reason a lot of people put off getting help, and more often than not the fear of the cost is worse than the cost itself. Insurance verification is how we replace that guesswork with a real number, before you commit to anything. You tell us about your plan, and we find out exactly what it covers for treatment here.
Have your insurance details on hand before you begin – usually that is all it takes:
There is no cost, and submitting it does not enroll you in anything. If some details are hard to find, send what you have – we can often work from your insurer and member ID alone. Prefer to talk it through? Call (314) 237-4435 and we will take it over the phone.
Once we have your details, the rest is on us:
We contact your insurer and confirm the specifics of your behavioral health coverage.
We work out what your plan pays, what you would owe, and any conditions attached.
We explain all of it in plain terms, so you can decide with the full picture in front of you.
St. Louis Mental Health is an out-of-network provider, which means we work with the plans below on an out-of-network basis. For many of them that still adds up to meaningful coverage, and verification is how you find out how much for yours. We currently work with:
Insurance Provider | Insurance Provider |
Aetna | GEHA |
Anthem | Highmark |
BlueCross BlueShield | Optum |
Carelon Behavioral Health | Tricare |
Cigna | UMR |
ComPsych | United Healthcare |
First Health |
Do not see your plan on the list? That does not automatically mean we cannot help. Coverage arrangements change, out-of-network benefits vary widely, and self-pay may still be an option, so it is worth sending your details and letting us check.
Being out of network does not mean no coverage. Here is how it usually plays out:
Many plans still pay a share of out-of-network care, and for some that share is substantial. Verification shows you exactly what yours would contribute.
You may have a separate out-of-network deductible or a different coinsurance rate, which we will explain in plain terms.
If your plan offers little or no out-of-network benefit, or you would rather not use insurance at all, ask about self-pay and we will walk through the options.
Insurance language is built to be confusing. Here is what we sort out on your behalf, and what each piece means for what you would actually pay:
The amount you pay yourself before your plan starts contributing.
Your share of each session or day of care once coverage kicks in, either a flat fee or a percentage.
The most you would pay in a year – once you reach it, your plan covers the rest.
Whether your plan caps how many sessions or days of a program it will pay for.
Whether your insurer needs to approve care before it begins, which we handle for you.
How much your plan contributes toward a provider it does not contract with, which is what applies here.
Yes. Anything you share for verification is protected under HIPAA and used only to confirm your benefits – it is never sold, and it is not disclosed beyond what checking your coverage requires. Using your insurance for mental health care is confidential in the same way the rest of your treatment is.
The fastest way to know where you stand is to let us check. Submit the form above or call (314) 237-4435, and we will lay out a clear picture of your coverage. If you would rather ask questions first, our Contact Us page is open.
Usually not long. In many cases we can confirm your benefits the same day, and it rarely takes more than a day or two. If your particular plan needs longer, we will tell you, so you are never left wondering.
No. Verification is free and simply tells you what your plan would cover – it decides nothing for you. Plenty of people check their benefits while they are still weighing whether to begin at all.
For most plans, no, we are an out-of-network provider. That does not mean there is no coverage, though. Many plans pay a meaningful share of out-of-network care, and verification will show you exactly what yours would. Where the out-of-network benefit is thin, we can talk through self-pay.
You still have options. Ask our team about paying directly, and we will walk through what treatment would look like without coverage. Cost should be a conversation, not an automatic no.
Yes. What you share is protected under HIPAA and used only to confirm your benefits. Using insurance for mental health care carries the same confidentiality as any other medical care, and once you are ready to begin, our Admissions Process page explains what comes next.
