Insurance and Pricing Programs
Straightforward pricing, accepted insurance networks, and clear cost protections before you ever sit down for an appointment. No hidden fees, no surprise bills.
Health insurance coverage
We verify your insurance benefits before your visit and provide an estimate of your expected out-of-pocket cost. Your final responsibility is determined by your insurance plan after the claim is processed.
Accepted insurance
- Anthem BCBS (Indiana)
- Aetna
- Cigna
- Carelon Behavioral Health
- Ascension / SmartHealth
- Curative
Estimated copays, deductibles, and coinsurance are provided before your visit. Final responsibility is determined by your insurance plan after claim processing.
Out-of-network care
- Out-of-network patients are welcome
- Itemized superbills provided
- Standard CPT & diagnosis codes
- Direct carrier submission for reimbursement
Out-of-network patients are welcome. Superbills are available upon request for possible reimbursement from your insurance plan.
Verify your insurance coverage
Check your expected copay, deductible status, and schedule your appointment with complete cost clarity and zero surprise fees.
Billing and insurance administration through Headway
Stillmind partners with Headway to manage insurance verification, payments, and patient claims administration.
Focusing entirely on your clinical care
I use Headway to manage my billing and admin work so that I can place all of my focus on our work together. Headway manages everything related to payments and insurance to make things as easy as possible for you.
The Headway team will reach out with an email to help you set up your account and add your insurance and payment details. You will see your cost per session ahead of time and can check your benefits through their client portal.
Transparent visit pricing
Fixed self-pay rates with no hidden fees, unexpected charges, or surprise bills. Every new patient begins with a dedicated evaluation.
Adult Evaluation · $250
Comprehensive 60-minute psychiatric diagnostic assessment, clinical history review, collaborative treatment planning, and initial medication discussion when indicated.
Child Evaluation · $300
Specialized psychiatric evaluation for children (ages 6 to 12), including developmental review, dedicated parent and guardian consultation, and an individualized care plan.
Teen Evaluation · $250
Thoughtful psychiatric evaluation tailored to teenagers (ages 13 to 17), focusing on school, emotional health, social stressors, and family-supported goals.
Follow-Up Session · $150
Dedicated 30-minute appointments for medication management, treatment response review, symptom monitoring, and supportive therapy. Scheduled typically every 4 to 12 weeks.
All visit fees are due at the time of service. We accept HSA, FSA, major credit and debit cards. Itemized superbills provided upon request.
Cancellation policy: $75 fee per session cancelled within 24 hours of scheduled appointment time.
Good Faith Estimates and the No Surprises Act
Under federal law, healthcare providers must give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services.
Total expected cost
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services, including intake evaluations and follow-up care.
Written timeline
You will receive your written estimate prior to your scheduled medical appointment so you have clear, predictable pricing before your care begins.
Dispute protection
If you receive a bill that is at least $400 more than your Good Faith Estimate, you have the federal right to dispute the bill through the established resolution process.
Patient financial protections
Every self-pay patient receives an upfront estimate prior to care. Learn how dispute rights work or review our comprehensive legal notice.
Frequently asked questions about costs and billing
Will I know my out-of-pocket cost before my appointment?
Yes. If using insurance, your coverage is verified before your visit to provide an estimate of your expected copay or deductible. Your final responsibility is determined by your insurance plan after the claim is processed. If paying out-of-pocket, our visit fees are fixed and posted upfront, and you receive a written Good Faith Estimate.
What is the appointment cancellation policy?
Appointments can be rescheduled or cancelled through the client portal with at least 24 hours of advance notice. A $75 fee applies to sessions cancelled within 24 hours of the scheduled appointment time.
Can I use my HSA or FSA card?
Yes. Psychiatric evaluations, ongoing medication management, and psychotherapy are qualified medical expenses under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use your HSA or FSA card directly during payment.
Do I need a doctor referral to use my insurance?
In most cases, no referral is required to schedule with a psychiatric nurse practitioner. However, specific HMO plans occasionally require prior authorization or a referral from your primary care physician. We recommend checking your specific plan details with your carrier or during online scheduling.
How do out-of-network superbills work?
If your insurance carrier is not currently in-network, you pay the self-pay rate at the time of service. Upon request, we provide an itemized superbill with diagnostic and procedure codes that you can submit directly to your insurance company for potential out-of-network reimbursement.
Ready to schedule your appointment?
Verify your insurance in minutes or choose self-pay through our online scheduling portal. Appointments are available via telepsychiatry across Indiana by scheduled appointment.