Financial Options & Insurance

Yes, RECO Integrated Psychiatry accepts most major insurance plans including Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare, Humana, Medicare, and many others. We are in-network with most PPO plans and many HMO plans. Because insurance networks and benefits vary, we verify your specific coverage before your first appointment. Our billing team will contact your insurance to confirm: whether we're in-network with your specific plan, your deductible and whether it's been met, your copay or coinsurance for psychiatric services, any prior authorization requirements, your out-of-pocket maximum. We handle all insurance billing so you don't have to submit claims yourself. If we're out-of-network with your plan, we can still see you and help you maximize your out-of-network benefits (see out-of-network question below).

Many insurance plans provide out-of-network benefits, meaning they'll reimburse you for a portion of the cost even if we're not in their network. Out-of-network benefits typically cover 50-80% of the allowed amount after you meet a deductible. We provide a superbill (detailed receipt with diagnosis and procedure codes) that you submit to your insurance for reimbursement. Many patients find that out-of-network care is worth the slightly higher cost because: you can see the specific psychiatrist you want rather than being limited to in-network providers, appointments are often more readily available, you have more continuity of care without network changes forcing provider switches. The Mental Health Parity and Addiction Equity Act requires that mental health out-of-network benefits be comparable to medical/surgical out-of-network benefits—you can use this to advocate with your insurance if they're limiting mental health coverage unfairly. Our billing team can help you understand your out-of-network benefits and maximize reimbursement.

The Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 is a federal law requiring insurance plans to cover mental health and substance use disorder treatment at the same level as medical/surgical care. This means: copays/deductibles for mental health cannot be higher than for medical care; visit limits cannot be more restrictive for mental health than medical care; prior authorization requirements cannot be more burdensome for mental health; out-of-network reimbursement rates must be comparable. If your insurance denies coverage, limits sessions, or requires excessive prior authorization for psychiatric care they wouldn't require for medical care, they may be violating parity laws. You have the right to appeal and cite MHPAEA. State laws often provide additional protections. Our billing team can help you navigate parity issues and appeal unfair denials. You can also file complaints with your state insurance commissioner or the Department of Labor if you believe your plan is violating parity laws.

For patients without insurance or choosing to self-pay, our standard rates are: Initial psychiatric evaluation (90 minutes): $450-550, Follow-up medication management (30 minutes): $200-250, Psychotherapy session (45-60 minutes): $175-225, Combined medication management and therapy (45-60 min): $250-300. Self-pay patients receive a receipt that can be submitted to insurance for potential reimbursement under out-of-network benefits. We also offer a sliding scale fee structure for patients with financial hardship—rates reduced based on income and family size. Inquire with our billing team about sliding scale availability. Payment is due at time of service via credit/debit card, HSA/FSA card, check, or cash. We also offer payment plans for patients unable to pay in full (see payment plan question below).

Yes, we offer no-interest payment plans for patients who need to spread costs over time. We understand that mental health care is essential but can be financially challenging. Payment plan options: 3-month plan (divide balance into 3 equal payments), 6-month plan (divide balance into 6 equal payments). No interest or fees for payment plans. Automatic monthly payments via credit card or bank account. Payment plan approval is handled case-by-case based on your situation. We want financial concerns to never be a barrier to getting the psychiatric care you need. Speak with our billing coordinator during your first appointment or call (561) 464-4077 to discuss payment plan options. We're committed to working with you to find an affordable solution.

Yes, psychiatric services are qualified medical expenses eligible for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use your HSA or FSA card to pay for: psychiatric evaluations, medication management appointments, psychotherapy sessions, psychiatric testing and assessments. We provide itemized receipts with all required information (date of service, provider name, procedure codes, diagnosis codes, amount paid) for your HSA/FSA records. Using HSA/FSA funds is advantageous because: contributions are pre-tax, reducing your taxable income; withdrawals for qualified medical expenses are tax-free; you save the equivalent of your marginal tax rate on psychiatric expenses. For example, if you're in the 22% tax bracket, using HSA/FSA effectively gives you a 22% discount on psychiatric care. HSA funds roll over year to year (no 'use it or lose it'), making them excellent for ongoing psychiatric treatment. FSA funds typically must be used within the calendar year, though some plans offer limited rollover or grace periods. Check your specific plan rules.