Making Mental Health Treatment Accessible
We work with most major insurance plans and are committed to helping you understand your benefits so cost is never a barrier to getting the care you need.
Coverage
Accepted Insurance Plans
We are in-network with most major commercial insurance providers. If you don't see your plan listed, contact us — we may still be able to help.
Don't see your insurance? Call us — we verify benefits for all plans and can discuss out-of-network options.
Simple Process
How Insurance Verification Works
Our team handles the entire verification process so you can focus on getting the help you need.
Submit Your Info
Fill out our confidential insurance verification form or call us directly. We only need basic insurance card information to get started.
We Contact Your Insurer
Our billing team contacts your insurance provider directly to verify your mental health benefits, deductible, and out-of-pocket costs.
We Explain Your Coverage
We break down your benefits in plain language — no confusing jargon — so you know exactly what to expect before you commit to anything.
Begin Treatment
Once your coverage is confirmed, we coordinate everything with your insurer throughout your entire treatment program.
Know Your Benefits
Understanding Your Mental Health Coverage
Insurance for mental health treatment can be confusing. Here are the key terms our team will explain when we review your benefits with you.
Deductible
The amount you pay out-of-pocket before your insurance starts covering costs. Many plans reset annually on January 1.
Co-Pay
A fixed amount you pay per session (e.g., $30 per therapy visit). Co-pays typically apply after your deductible is met.
Co-Insurance
Your share of costs after your deductible is met, expressed as a percentage (e.g., you pay 20%, insurance pays 80%).
Out-of-Pocket Maximum
The most you'll pay in a plan year. After this amount, insurance covers 100% of covered services for the remainder of the year.
In-Network vs. Out-of-Network
In-network providers have contracted rates with your insurer, meaning lower costs for you. We verify your network status as part of the process.
Prior Authorization
Some plans require pre-approval for certain levels of care (like PHP or IOP). Our team handles all prior authorization requests on your behalf.
Payment Options
We believe financial concerns should never prevent someone from accessing mental health care. In addition to insurance billing, we offer:
- Private pay / self-pay options
- Sliding scale fees based on financial need
- Flexible payment plans
- Out-of-network benefit reimbursement assistance
- Employee Assistance Program (EAP) coverage
- TRICARE and veterans benefits
Contact our admissions team to discuss what options may be available for your situation. We are here to help find a path forward.
Speak with Our TeamMental Health Parity Law
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), most insurance plans are required to cover mental health and substance use disorder services at the same level as medical and surgical care. Our team can help you understand and advocate for your rights.
Common Questions
Insurance FAQs
How long does insurance verification take?+
Most verifications are completed within a few hours. Our team will contact you the same day you submit your information to discuss your benefits.
Will my insurance cover PHP or IOP?+
Most major insurance plans cover PHP and IOP when medically necessary. Coverage varies by plan and diagnosis. Our team will verify your specific benefits before you begin treatment.
What if I have a high deductible?+
We can discuss payment plan options to help manage any out-of-pocket costs while your deductible is being met. Contact our team to explore what's available for your situation.
Can I use out-of-network benefits?+
Yes. If Lumen Mental Harmony is out-of-network with your plan, you may still be able to use your out-of-network benefits. We'll verify this and explain your reimbursement options.
Do I need a referral from my primary care doctor?+
In most cases, no referral is required for outpatient mental health services. However, some plans do require a referral. We'll confirm this as part of your insurance verification.
Is the verification process confidential?+
Absolutely. All information you share with us is protected by HIPAA and handled with complete confidentiality. We never share your information without your written consent.
Let Us Verify Your Benefits Today
Free, confidential, and no obligation. Our team will review your coverage and answer any questions about cost before you make any decisions.
Free, confidential insurance verification. No obligation.