Insurance & Payment Information

Toledo Counseling & Mental Health accepts many major insurance plans for counseling, psychiatry, and medication management services. We know insurance and billing questions can feel confusing, especially when you are trying to begin care for yourself, your child, your teen, or your family.

Our goal is to make the process as clear as possible. Insurance participation can vary by provider, service type, appointment type, and plan, so our scheduling and billing team can help review your information during the appointment request process.

Request an Appointment

Insurance Plans We Commonly Accept

Toledo Counseling & Mental Health commonly works with many major insurance plans. We also accept some plans that may not be listed below.

Provider participation may vary by plan, service type, and appointment type, so our team can help review your insurance information during the appointment request process.

  • Aetna
  • Aetna Medicare
  • Allied Benefit Systems
  • Anthem
  • Anthem Medicaid
  • Anthem Medicare
  • Anthem MyCare
  • Auxiant
  • CURATIVE
  • Benefit Plan Administrators
  • Benesys
  • Blue Cross Blue Shield
  • Carelon
  • CareSource Marketplace
  • CHAMPVA
  • Christian Brothers Service
  • Cigna
  • FrontPath
  • GEHA
  • Gravie
  • Group Management Services
  • HealthSCOPE
  • Highmark
  • Lucent Health
  • Luminare Health
  • MedBen
  • Medical Mutual of Ohio
  • Medicare
  • Meritain
  • Mutual Health Services
  • Optum
  • Oscar Health
  • Paramount
  • Paramount Elite
  • Sidecar
  • Student Resources
  • Surest
  • UHS Shared Services
  • Unified Group Services
  • United Healthcare
  • United Healthcare Medicaid
  • United Medical Resources

We accept many major insurance plans, including some that may not be listed here. Provider participation may vary by plan, service type, and appointment type. Psychiatry services are generally available for commercial insurance plans and private pay, not Medicaid or Medicare plans. Our team can help review your insurance information during the appointment request process.

Request an Appointment

What to Know About Insurance Coverage

Insurance coverage for mental health services can vary from plan to plan. Even when a provider is in-network, your policy may include certain requirements or patient responsibilities.

  • Copays
  • Deductibles
  • Coinsurance
  • Prior authorization requirements
  • Telehealth coverage rules
  • Session limits
  • Different coverage for counseling and psychiatry
  • Different requirements for child, teen, or family services
  • Coverage differences by provider credentialing or network status

Your insurance company determines final benefits, coverage decisions, and patient responsibility.

Our team can help with general insurance review and billing questions, but we cannot guarantee what your insurance company will pay before a claim is processed.

How Insurance Review & Billing Works

Submit an Appointment Request

The first step is to complete the appointment request form with your contact information, requested service, provider preferences if you have any, and insurance information.

Our Team Reviews Your Information

Our scheduling team reviews your request, including service type, provider fit, age range, location preference, telehealth needs, insurance details, and availability.

Claims Are Processed After Services

Our billing team processes claims daily. After your insurance company processes the claim, any patient responsibility shown on the EOB may be invoiced and charged according to your account and billing policies.

Questions to Ask Your Insurance Company

Because your insurance company determines your benefits, it can be helpful to contact the member services number on your insurance card before beginning care.

  • Do I have outpatient mental health benefits?
  • Is counseling or psychotherapy covered?
  • Is psychiatry or medication management covered?
  • Is telehealth covered for mental health services?
  • Do I have a deductible?
  • Has my deductible been met?
  • What is my copay or coinsurance?
  • Is prior authorization required?
  • Are there limits on the number of sessions?
  • Is the provider I want to see in-network?
  • Are child, teen, couples, or family services covered differently?
  • What is my responsibility if a claim is denied or partially covered?

When calling your insurance company, you may ask about outpatient mental health benefits and reference common billing codes such as 90791 for an initial diagnostic assessment and 90837 for psychotherapy, 53–60 minutes.

Psychiatry, medication management, family sessions, shorter therapy sessions, and other services may use different billing codes depending on the appointment type.

Coverage for Counseling, Psychiatry & Telehealth

Insurance coverage may differ depending on the type of care you are requesting. Some insurance plans process counseling and psychiatry benefits differently. Some plans may cover telehealth but have different requirements depending on the provider, service type, location, or clinical need.

Counseling Services

Coverage may vary for individual therapy, child and teen counseling, couples counseling, and family therapy.

Psychiatry

Psychiatric evaluations and medication management may have different coverage rules than counseling. At this time, psychiatry services are generally available for commercial insurance plans and private pay only, not Medicaid or Medicare plans.

Telehealth

Telehealth coverage may vary by plan, provider, service type, location, and clinical appropriateness.

Private Pay & Patient Responsibility

Private pay may be available for clients who prefer not to use insurance, whose plan is not accepted by a specific provider, or whose service is not covered by insurance.

Clients are responsible for any amounts determined by their insurance plan, including copays, deductibles, coinsurance, non-covered services, missed appointment fees, late cancellation fees, or denied claims.

A card on file is required before the first appointment for most clients, except Medicaid clients. Card information is stored securely through our electronic payment system and processed through Stripe. Our team does not have access to full card numbers after they are saved.

Accepted payment methods may include major credit cards, debit cards, HSA/FSA cards, and checks. Cash and money orders are generally not accepted.

Our team can help answer general billing questions, but your insurance company determines final benefits and patient responsibility.

If Your Insurance Changes

Please notify our office as soon as possible if your insurance changes, your plan terminates, you receive a new insurance card, your coverage changes, or your primary/secondary insurance order changes.

Updating insurance information promptly helps reduce billing delays, claim issues, and unexpected patient responsibility. You may be responsible for balances that result from inactive coverage, incorrect insurance information, denied claims, deductible changes, or plan changes that were not updated before services were provided.

Frequently Asked Questions

Yes. Toledo Counseling & Mental Health accepts many major insurance plans for counseling, psychiatry, and medication management services. Insurance participation may vary by provider, service type, age range, appointment type, and specific plan.

We commonly work with many major insurance plans, including Aetna, Anthem Blue Cross Blue Shield, Carelon, CareSource Marketplace, Cigna, FrontPath, Medical Mutual of Ohio, Medicare, Meritain, Optum, Paramount, and UnitedHealthcare, among others. Our complete list of commonly accepted insurance plans is provided above. Insurance participation varies by provider and service, and some plans accepted for counseling may not be accepted for psychiatry or medication management. Our team can help review your specific insurance information when you request an appointment.

Our team may complete a general insurance review based on the information you provide. However, insurance companies determine final benefits, coverage, and patient responsibility. Clients are encouraged to contact their insurance company directly for the most accurate plan-specific information.

Not always. Some insurance plans process counseling, psychiatry, medication management, family sessions, child or teen services, and telehealth differently. Psychiatry services are generally available for commercial insurance plans and private pay, not Medicaid or Medicare plans. Coverage can also vary based on provider credentialing, network status, diagnosis, service type, and plan requirements.

Telehealth coverage depends on your insurance plan, provider, service type, location, and clinical appropriateness. Some plans cover online counseling or psychiatry, while others may have restrictions or different cost-sharing rules.

If a provider does not accept your insurance, our team may review whether another provider may be a better insurance fit. Private pay may also be an option depending on the service and provider availability.

If your plan has a deductible, you may be responsible for the allowed cost of services until your deductible is met. After your insurance processes the claim, the Explanation of Benefits will identify the amount assigned as patient responsibility.

Our billing team processes claims daily. After your insurance company processes the claim and issues an Explanation of Benefits, any patient responsibility may be invoiced and charged according to your account and billing policies.

Accepted payment methods may include major credit cards, debit cards, HSA/FSA cards, and checks. Cash and money orders are not accepted. A card on file is required before the first appointment for most clients, except Medicaid clients.

A card on file is required for most clients, except Medicaid clients, to help manage patient responsibility after insurance claims are processed. Card information is stored securely through our electronic payment system and processed through Stripe. Our team does not have access to full card numbers after they are saved. For more information, you may review Stripe’s payment security information.

Please notify our office as soon as possible if your insurance changes. Updated information helps reduce claim delays, denials, and unexpected balances.

Complete the appointment request form, and our scheduling team will review your information and follow up by phone to discuss provider fit, availability, insurance information, and next steps.

Request an Appointment

Insurance and payment questions should not keep you from taking the next step. Complete the appointment request form, and our scheduling team will follow up by phone to discuss provider fit, availability, insurance information, and next steps.

Request an Appointment