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Health Plans
At Capstone Mental Health, we strive to make high-quality mental health care accessible and affordable for all. We work with a variety of health insurance providers to ensure that you can receive the care you need without added financial stress. Below, you’ll find detailed information about the health plans we accept and guidance on how to use your insurance benefits.
Insurance Plans We Accept
Capstone Mental Health is in-network with many major commercial insurance providers, including:
- AARP
- Aetna (including Aetna Medicare plans)
- AHCCCS United Healthcare Community Plan
- AHCCCS Mercy Care
- Allied
- Blue Cross / Blue Shield (all states)
- Cigna
- Champ VA (as secondary for Medicare or Medicare replacement plans)
- Employee Assisted Programs (EAP) Counseling
- Humana
- Medicaid
- Medicaid AZ Dual Complete (Mercy Care Advantage)
- Medicare
- MercyCare
- Optum
- Tricare
- United Behavioral Health for Seniors
- United Healthcare AARP Medicare Advantage
- UnitedHealthcare
- UMR (United Medical Resources)
- Community Plan (AHCCCS Complete Care [ACC] + Developmentally Disabled [DDD] + Long Term Care [LTC])
This list reflects our current understanding of in-network insurance plans accepted at Capstone Mental Health. It is not exhaustive and does not guarantee coverage. Insurance participation may vary by provider, plan type, or service. We strongly recommend verifying your benefits directly with your insurance company prior to your appointment to confirm coverage and potential out-of-pocket costs.
If your plan is not listed, please contact our office to check eligibility or discuss out-of-network options.
How to Verify Your Insurance Coverage
Navigating insurance can feel overwhelming, but we’re here to help. Follow these steps to confirm your coverage for mental health services:
Call Your Insurance Provider: Contact your insurance company using the number on your insurance card and ask about your mental health benefits.
Verify if Capstone Mental Health is an in-network provider.
Inquire about coverage for services like therapy, psychiatric evaluations, or medication management.
Understand Your Benefits: Ask about your co-pays, deductibles, and out-of-pocket maximums. This will help you understand any costs associated with your care.
Contact Us: Once you’ve confirmed your coverage, reach out to our office, and we’ll guide you through the next steps to schedule your appointment.
Understanding How Insurance Works
Navigating health insurance can be confusing, especially when it comes to mental health coverage. To help you better understand how insurance works in relation to healthcare costs, we’ve included two short videos that explain the key differences between copays, deductibles, and coinsurance—common components of most insurance plans.
Helpful Insurance Explainers:
- Understanding Health Insurance Basics (Video 1)
- Copays, Deductibles, and Coinsurance Explained (Video 2)
Every insurance plan is different, and these factors may or may not apply to your specific coverage. It is each patient’s responsibility to understand their insurance benefits, including potential out-of-pocket costs, before receiving services.
Disclaimer: This information is for educational purposes only and should not be considered financial or legal advice. Coverage varies by insurance plan, and we encourage you to contact your insurance provider directly to verify benefits and eligibility for mental health services.
Out-of-Network Options
If we are not in-network with your insurance provider, you may still be able to receive care at Capstone Mental Health. Many insurance plans offer partial reimbursement for out-of-network services. We can provide a superbill (detailed receipt) that you can submit to your insurance for reimbursement.
Telehealth and Insurance
Our telehealth services are covered by most major insurance providers, making it convenient for you to access care from the comfort of your home. Please check with your insurance provider to confirm coverage for telehealth visits.
Why Choose Capstone Mental Health?
- Comprehensive Services: We offer diagnosis, therapy, medication management, and integrative care under one roof.
- Transparency: We are committed to clear communication about costs and coverage so you can make informed decisions about your care.
- Convenience: With telehealth options and flexible scheduling, we make accessing mental health care easy.
