--- title: "Insurance & Payment | Accepted Plans | CARMAhealth" description: "CARMAhealth accepts 15+ insurance plans including Aetna, BCBS, Cigna, and United Healthcare. Verify coverage for psychiatry, TMS, and ketamine services." canonical: https://carmahealth.com/insurance source: https://carmahealth.com/insurance mirror_of: carmahealth.com content_hash: sha256:8505ea294ef59f0853b36f8df0b3b4ef9cedcb7fc881da4c2e0b7f033a980d68 generated_at: 2026-07-08T23:20:17.555Z robots: noindex, follow --- Insurance & Coverage # Insurance & Payment CARMAhealth accepts 15+ insurance plans for psychiatric services. Verify your coverage before your first visit. [Call to Verify](tel:5122124670) [New Patient Info](/new-patients) Accepted Plans ## We Accept Most Major Insurance Call (512) 212-4670 to verify your specific plan and benefits before scheduling. Aetna Ambetter Blue Cross Blue Shield Cigna Humana Baylor Scott & White Sendero Seton United Healthcare Curative Harbor Health What's Covered ## Coverage by Service Type Most insurance plans cover psychiatric services at the same level as medical visits. Coverage for advanced treatments varies by plan. ### Psychiatric Evaluation Covered by most plans. Standard copay and deductible apply to initial evaluations and follow-up visits. ### Medication Management Covered by most plans. Ongoing prescription management visits typically fall under your outpatient mental health benefit. ### TMS Therapy Many plans cover TMS for treatment-resistant depression. Prior authorization and documented medication trials are usually required. ### Spravato (Esketamine) FDA-approved and increasingly covered by insurance plans. We recommend verifying benefits before your first session. ### Ketamine Therapy Typically not covered by insurance. Self-pay options are available. Contact our office for current pricing. ### Telehealth Visits Covered by most participating health plans at the same rate as in-person visits across Texas and Florida. Getting Started ## How to Verify Your Coverage Our team handles the details so you can focus on your care. 1 ### Call Our Office Contact us at (512) 212-4670. Our front office team will collect your insurance information and verify your benefits. 2 ### We Check Your Plan We confirm your coverage for the specific services you need, including copay amounts, deductible status, and any prior authorization requirements. 3 ### Review Your Benefits Before your first appointment, we walk you through what your plan covers and what your estimated out-of-pocket costs will be. 4 ### Schedule Your Visit Once coverage is confirmed, we schedule your first appointment. New patients can get started at carmahealth.com/new-patients. Good to Know ## Your Coverage Rights Under the [Mental Health Parity and Addiction Equity Act](https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/mental-health-parity), most insurance plans are required to cover mental health services at the same level as medical and surgical benefits. This means your copays, deductibles, and visit limits for psychiatric care cannot be more restrictive than those for a medical office visit. In Texas, [state parity laws (HB 10)](https://www.tdi.texas.gov/health/mental-health-parity-overview.html) reinforce these protections for all fully insured health plans. If you believe your plan is not providing equal coverage for mental health services, you have the right to file a complaint with the Texas Department of Insurance. **Self-Pay Options** For services not covered by insurance, such as ketamine therapy, we offer self-pay pricing. Contact our billing team at (512) 522-1870 for current rates and payment options. **Be Well, TX Partnership** CARMAhealth partners with Be Well, TX to provide no-cost medication-assisted treatment for patients facing financial barriers. Ask our team if you qualify. Have questions about coverage for a specific service? Learn more about [TMS therapy](/services/tms-therapy), [ketamine therapy](/services/ketamine-therapy), or [Spravato](/services/spravato). For billing inquiries, [contact our team](/contact) directly. Common Questions ## Insurance FAQs We accept 15+ insurance plans, including Aetna, Ambetter (Superior Health Plans), Blue Cross Blue Shield, Cigna, Humana, Curative, Harbor Health, Baylor Scott & White, Sendero, Seton, and United Healthcare. Coverage and benefits vary by plan, so we recommend calling (512) 212-4670 to verify your specific benefits before scheduling. Many insurance plans cover TMS therapy for treatment-resistant depression. Coverage typically requires prior authorization and documentation that the patient has not responded to at least two antidepressant medications. Our team handles the prior authorization process on your behalf. Call us to check your specific plan's TMS benefits. Generic ketamine therapy (IV or intramuscular) is generally not covered by insurance because it is used off-label for psychiatric conditions. However, Spravato (esketamine nasal spray) is FDA-approved for treatment-resistant depression and is increasingly covered by insurance plans. We offer self-pay options for ketamine therapy. Contact our office for current pricing. With insurance, your cost for a psychiatric visit depends on your plan's copay, coinsurance, and deductible. Most patients with in-network coverage pay a standard specialist copay for medication management visits. We verify your benefits before your first visit so there are no surprises. If your plan is not on our accepted list, you may still be able to see our practitioners as an out-of-network patient. We can provide a superbill that you submit to your insurance for potential reimbursement. Contact our billing team at (512) 522-1870 to discuss your options. Take the First Step ## Start Feeling Like Yourself Again Whether you're exploring treatment for the first time or looking for a new practitioner, our psychiatrists are here to listen. [Book an Appointment](/new-patients) [Call (512) 212-4670](tel:5122124670) Accepting new patients · 15+ insurance plans accepted · Telehealth available