Insurance & cost
Insurance and What Care Costs Here
Cost is the first thing most people want to know and the last thing most practices tell them. We verify your benefits before your first visit and tell you what to expect — in dollars, not in "it depends."
Plans we accept
Military and veteran plans
We have cared for veterans and military families across the Louisville metro since 2000.
- TRICARE
- VA Healthcare
- ChampVA
Medicare and commercial plans
- Medicare
- Aetna
- Anthem Blue Cross Blue Shield
- Humana
- UnitedHealthcare
- Optum
- Cigna
- WellCare
- Mutual of Omaha
- AARP
Coverage varies by plan even within the same carrier, so this list is a starting point rather than a guarantee. Plan participation can change, and some plans run a separate behavioral health network, so we verify your specific plan before your first visit.
We are a long-standing TRICARE provider and see military families and retirees across Louisville Metro.
Self-pay rates
These are self-pay rates for patients not using insurance. For services not listed here, or for a written Good Faith Estimate, call (502) 454-8800.
| Service | Self-pay rate |
|---|---|
| Outpatient clinic — new patient visitPhysician or Nurse Practitioner | $350 |
| Outpatient clinic — new patient visitTherapist | $300 |
| Outpatient clinic — follow-up visitPhysician, Nurse Practitioner or Therapist | $150 |
| Medical cannabis — new patient evaluationPhysician or Nurse Practitioner | $250 |
| Medical cannabis — follow-up visit | $220 |
| Medical cannabis — yearly card renewal | $175 |
| LivingFree365 — each visitPhysician — drug screen included | $350 |
If you are paying without insurance, you are also entitled to a Good Faith Estimate of expected charges before your visit.
If you are paying out of pocket
We will give you the self-pay rate for the visit you need before you book, and you can decide from there. There is no penalty for asking what something costs.
Prior authorisation
Some treatments — TMS therapy in particular — require prior authorisation from your insurer. Our staff handle that submission and keep you updated. You do not have to negotiate with your plan yourself.
Paying a bill
Pay securely through our online portal, or call (502) 454-8800 during office hours and we will take payment over the phone.
What happens next
- 1Send an appointment request with your insurance carrier — no member ID needed in the form.
- 2We verify your benefits and call you back within one business day with your expected cost.
- 3You decide whether to book, with the numbers in front of you.
Prefer to talk? Call (502) 454-8800. We respond within one business day.
Insurance questions
Do you verify my benefits before I come in?
Yes. Give us your carrier and member details when you request an appointment and we check coverage before your first visit, so cost is not a surprise afterwards.
What if you are out of network with my plan?
We will tell you plainly, give you the self-pay rate, and where relevant provide documentation you can submit to your insurer for out-of-network reimbursement.
Is TMS therapy covered?
TMS is covered by many plans, including Medicare and TRICARE, when specific criteria are met — typically a diagnosis of major depression and a documented history of medications that did not give enough relief. We handle the prior authorisation.
Are medical cannabis evaluations covered?
Usually not. Certification evaluations are frequently considered non-covered services, so we quote the cost up front before you book.
How do I pay a bill?
You can pay online through our secure bill-pay portal, or call the office during business hours.
Request an appointment
Tell us how to reach you and what you're looking for. We'll confirm your insurance, answer your questions, and find a time that works. No long intake before you hear from a person.
- We respond within one business day.
- Most insurance accepted, including TRICARE and Medicare.
- In-office visits on Newburg Road, plus telehealth.
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