Insurance

Accepted Insurance Plans

At Integrated Behavioral Care, we are committed to making quality behavioral health care accessible to everyone. We proudly accept a wide range of insurance plans to ensure you receive the support you need without added financial stress. Our accepted insurance plans include:

Aetna
Blue Cross Blue Shield
Cigna: Out-of-network only
Harvard Pilgrim
Mass General Brighams
Optum
Tufts Health Plan
UnitedHealthcare
WellSense
And More…

Payment Information

All session copayments and deductibles are due at the time of service. IBC only accepts credit card payments for client’s out-of-pocket expenses.

If you have any other questions about your specific insurance coverage or need assistance with the billing process, please don’t hesitate to contact our friendly team. We’re here to help you every step of the way!

What is a deductible?

Your deductible is the amount you pay out-of-pocket for healthcare services before your health insurance starts to share the cost. Once you’ve met your deductible, your insurance will begin to share the cost of your care with you. Until your deductible for the year is satisfied, you are responsible for the full cost of some services.

What does this mean for you?

We don’t know what the exact cost will be for your services until a claim is returned by your insurance company outlining how much you owe us for your services. We can provide you with an estimate based on general trends with your insurance company, but this is not a guarantee of cost.
The deductible resets annually and commonly resets on January 1 st . You may owe more for sessions early in the year if your deductible has not yet been satisfied. Your plan may run on a service year instead of calendar year.
As your deductible includes care costs from all of your providers, not just us, it is important for you to monitor where you stand with your insurance company.

More information on deductibles

When you select your health insurance plan, there are different tiered plan options with deductibles ranging from low deductible ($500-$1,500) to high deductible (as high as $7,000+).
Many plans have both an individual deductible and a family deductible. The individual deductible is related to just your healthcare costs, whereas the family deductible includes everyone who is on the insurance plan. Once one of these deductibles is met for the year, your cost sharing with the insurance company will kick in.

Important terms

Coinsurance: If your plan has a cost sharing model with the insurance company, you may have a coinsurance due for services. This is a percentage of the cost you are responsible for, and the insurance company covers the rest.
Out-of-pocket maximum: Insurance plans will sometimes set an annual limit on out-of-pocket expenses you are responsible for. This can include deductibles, coinsurance payments, or copayments depending on your plan. Once this is met, the insurance company will cover your portion of your healthcare expenses.

Questions about your plan?

Most insurance companies have a member portal you can register for that shows you real time information on what your insurance has allocated towards your deductible. You can also contact member services on the back of your insurance card to learn more about your plan.

For questions regarding your benefits, please contact billing@behcare.com for assistance.