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.
- Tricare (regional)
- Magellan Health
- Humana (commercial)
- Anthem Blue Cross Blue Shield (state plans)
- UnitedHealthcare / Optum Behavioral Health
- Beacon Health Options (Carelon 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 Rock Creek Clinical accept insurance, or do patients pay out of pocket?
The practice accepts a number of insurance plans and also sees patients on a private-pay basis. The most reliable way to confirm whether your specific plan is in-network is to contact the practice directly before scheduling; coverage varies meaningfully across plan types even within the same insurance family, and we would rather clarify that for you upfront than leave it to be resolved later.
If my psychiatrist recommends a medication that requires prior authorization, how is that handled?
Prior authorization requests are submitted by the clinical and administrative staff on behalf of patients when a prescribed medication triggers that requirement. The process can introduce delays that are outside any practice's direct control, and your clinician will discuss a contingency plan with you so that a gap in treatment is not the default outcome while an authorization is pending.
Can I use a superbill from Rock Creek Clinical to seek reimbursement from my out-of-network benefits?
Yes. For patients who pay at the time of service, the practice issues itemized superbills containing the information your insurer requires to process an out-of-network reimbursement claim. We recommend confirming your plan's out-of-network mental health benefits directly with your insurer before beginning treatment, as reimbursement rates and deductible structures vary considerably.
Are HSA and FSA funds accepted as a form of payment?
Health savings account and flexible spending account cards are accepted for eligible services. Because HSA and FSA rules occasionally change and eligibility depends on how your account is structured, it is worth confirming with your account administrator that the service you are scheduling qualifies under your specific plan.
What happens to my cost-sharing if my insurance changes during an ongoing course of treatment?
A change in insurance mid-treatment is worth flagging with the practice as early as possible. If your new plan is in-network, we will work through the transition with you; if it is not, we can discuss whether a private-pay or superbill arrangement makes sense to maintain continuity with your clinician rather than disrupting the treatment relationship.
Does the practice provide a good-faith cost estimate, and what does the No Surprises Act mean for my care here?
Under the No Surprises Act, uninsured and self-pay patients are entitled to a good-faith estimate of the expected cost of services before their first appointment, and the practice provides this as a standard part of the intake process. If you have questions about what a specific service is likely to cost before you schedule, the administrative team can walk through that with you directly.
Coverage questions? We will check for you.
Tell us your plan when you reach out — we will verify benefits before your first visit.