At Cura Mind and Wellness, we believe that cost should never stand in the way of receiving high-quality psychiatric care. Our goal is to make mental health services as accessible as possible, whether you have insurance coverage or prefer to use a self-pay option. This page explains how we work with insurance providers, what you can expect during verification, and the payment choices available to you.
Insurance Options
Cura Mind and Wellness accepts a wide range of insurance plans, and we’re continuously expanding our partnerships to make it easier for patients to use their benefits. Currently accepted plans include:
- Aetna
- Cigna
- Medicare
- Medicaid
- Point32
- Blue Cross Blue Shield (BCBS)
- Optum
- MODA Health
- Wellsense
If your insurance provider is not listed, don’t worry—many patients still qualify for out-of-network reimbursement or choose to self-pay for convenience and privacy.
Self-Pay Options
For patients without insurance—or those who prefer not to use it—Cura Mind and Wellness offers transparent, upfront self-pay pricing. Many patients choose this route for added privacy, faster access to care, or when seeking treatments not fully covered by insurance. Access to advanced treatments such as ketamine therapy or medical weight management programs that may not be fully covered by insurers.
Please note: IV ketamine and medical weight loss services (available in all states) are cash-pay treatments.
Benefits of Self-Pay
- Clear, transparent pricing with no hidden fees
- Full flexibility in session type, frequency, and duration
- Freedom from insurance restrictions or prior authorization delays
- Access to advanced treatments such as ketamine therapy, medical weight management, and other specialized programs
- Accepted payment methods include credit cards, debit cards, Health Savings Accounts (HSA), and Flexible Spending Accounts (FSA)
How We Support You
- In-Network Coverage – We’ll verify your benefits and explain which services are covered and any out-of-pocket costs.
- Out-of-Network Benefits – Even if Cura Mind and Wellness is not contracted with your insurer, you may still receive partial reimbursement. We can provide documentation for claim submission.
- Prior Authorization Assistance – Some services, such as TMS or psychological testing, may require prior approval. Our staff will walk you through the process.
- Insurance Updates – Because coverage and participation can change, we encourage you to confirm your benefits when scheduling an appointment.
Payment Plans and Flexibility
We understand that investing in your mental health is important, but it can sometimes feel overwhelming. That is why Cura Mind and Wellness offers flexible solutions designed to meet patients where they are financially.
Patients may be eligible for:
- Monthly payment plans for certain services
- Sliding scale options for specific treatments when available
- Support in using HSA or FSA funds to reduce out-of-pocket expenses
Our goal is to ensure that every patient can access care without feeling burdened by cost.
How to Verify Coverage
Our team helps patients verify their benefits before treatment begins. The process is designed to reduce stress and eliminate surprises.
Here is what to expect:
- We collect your insurance information at scheduling.
- Our staff contacts your insurance company to confirm coverage.
- You receive a clear explanation of benefits, including co-pays, deductibles, and any service limitations.
- We provide written confirmation before your first appointment.
Commonly Covered Services
Insurance companies typically cover a wide range of psychiatric and therapeutic services. While coverage varies, the following services are often included in health plans:
- Initial psychiatric evaluations
- Follow-up medication management sessions
- Psychotherapy and counseling
- ADHD assessment and diagnosis
- Psychological testing for adults
- Telehealth appointments
- Crisis intervention or urgent psychiatric visits
Advanced treatments such as TMS, IV ketamine, or medical weight loss may require additional approval or may be considered elective depending on your plan.
Our Commitment to Transparency
Navigating insurance and payment can feel overwhelming, but at Cura Mind and Wellness, we believe in clear, upfront communication. Whether you are using insurance, paying out of pocket, or combining both, you will always know what to expect. Our team is here to answer questions, guide you through the process, and ensure that financial concerns never stand in the way of your mental health.
Frequently Asked Questions
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You may still be able to use out-of-network benefits for partial reimbursement. We will provide the documentation needed to submit a claim to your insurer.
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In most cases, no referral is required. However, some plans may require one for specialized services such as psychological testing.
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Yes, most insurance providers now cover telehealth psychiatry and therapy. Coverage varies by state and plan, so we will confirm this during verification.
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Self-pay is always available and offers additional privacy and flexibility. We accept major credit cards, debit cards, and HSA/FSA accounts.
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Yes, in some cases. Payment flexibility is available to help patients manage costs over time.
Begin Your Care Without Delay
Mental health is too important to postpone. At Cura Mind and Wellness, we make it easier to begin your journey by offering insurance verification, flexible payment choices, and a commitment to accessibility. If you are ready to take your next step, our team is here to walk you through the details so you can focus on what truly matters — your healing and wellness.