Free · Confidential · No Obligation
Verify your insurance coverage — free
We contact your carrier directly, confirm your mental health benefits in plain English, and tell you exactly what to expect — before you commit to anything.
24 hrs
Average verification time
100%
Confidential
Free
No cost, no obligation
Check your benefits now
Free, confidential — results within 24 hours.
Accepted Insurance
Major carriers accepted
We work with most major insurance plans. Click your carrier to see detailed coverage information and what to expect.
Don't see your carrier? Call us — we accept most major plans.
Full Transparency
Exactly what our team verifies for you
We don't just confirm "yes, insurance accepted." We give you a complete picture of your financial responsibility before you begin treatment.
In-network status
Whether Texas Mental Health Services is in-network under your specific plan.
Deductible & out-of-pocket
How much you've met, what remains, and your out-of-pocket maximum for the year.
Copay & coinsurance
Your exact cost per session or as a percentage of the allowed amount.
Prior authorization
Whether your plan requires pre-approval before treatment begins — we handle the paperwork.
Session limits
Annual limits on therapy sessions or mental health benefits under your specific plan.
Level of care coverage
Whether Virtual IOP, Outpatient, psychiatric, and medication management services are covered.
Process
How benefits verification works
From your first call to your first session — here's what to expect.
Call or submit a form
Reach our admissions team by phone or online — available 24/7. We'll gather your insurance member ID and basic information.
We verify your benefits
Our team contacts your carrier directly to confirm in-network status, deductible, copay, coinsurance, and any prior auth requirements.
We explain your coverage
We provide a clear, plain-English summary of what your plan covers — what you pay, what we bill, and any costs to expect.
Begin treatment
Once coverage is confirmed and intake is complete, most clients begin their first session within 24–48 hours.
Services
Programs that may be covered by insurance
Coverage varies significantly by plan. Our team verifies exactly which services your plan includes — so you know before you commit.
FAQ
Common questions about insurance verification
Federal Parity Law
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), most insurers are required to cover mental health and substance use treatment at the same level as medical care. This means your plan is likely required to cover therapy, IOP, and psychiatric services at the same cost-sharing structure as a physician visit.
Free Verification
Verify your benefits today
No cost. No obligation. Results within 24 hours.