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Your Visit
Insurance Information
Insurance Information
Our commitment to meet the widest range of healthcare needs in our community is partially achieved by our participation in most insurance plans available. Our providers are considered "in-network" with a large number of insurers, meaning we have a special arrangement with those insurance companies to provide services to their customers. When we are part of an insurance network, the out-of-pocket cost for our patient's treatment is reduced.
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We Accept the Following Insurances
- Aetna
- Behavioral Health Systems
- Bluecross Blueshield
- North Carolina State Health Plan
- Carolina Behavioral Health Alliance
- Caresource
- Carelon Behavioral Health
- ChampVA
- Cigna/Evernorth
- GEHA
- Humana
- TriCare East
- TriCare West
- Magellan
- Medcost
- Medicare
- Meritain Health
- Multiplan
- Military OneSource
- NC Medicaid Managed Care Plans
- AmBetter
- AmeriHealth Caritas
- Carolina Complete Health
- HealthyBlue
- WellCare
- Optum Behavioral Health
- PHCS
- United Healthcare
- Oscar
- Oxford
- UMR
- Surest
- UnitedHealthcare Community Plan
- Workers Comp
- U.S. Department of Veteran Affairs
Medical Necessity
Health care services that are paid by insurance companies require reasonable justification based on evidence-based clinical standards of care before evaluation, diagnosis, or treatment of an illness, injury, disease, or its symptoms can take place.
Most insurance companies require a diagnosis that will remain on your permanent medical records and usually dictates how many, and what types of therapy you are eligible to receive. We believe that your treatment options should be decided between you and your therapist.
Out of Network
Our services are reimbursable by most "out of network" insurance plans. Meaning, that your insurance company will fully or partially reimburse for care that is outside of their network of healthcare providers. Please contact your insurance company and request an authorization for out-of-network treatment prior to initiating contact with us. Questions about out-of-network psychotherapy can typically be answered by your insurance benefit plan manager.
Medical Necessity
If you are eligible for managed care and receive benefits under North Carolina's Medicaid program, you probably were asked to choose a health plan. Wilmington Mental Health participates in the following managed care plans:
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AmeriHealth Caritas NC
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BCBS Healthy Blue
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WellCare of NC
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Carolina Complete Health
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UnitedHealthcare Community Plan
Billing Protections
Good Faith Estimate
We have a responsibility to outline the estimated cost of the total expected cost of any non-emergency service we offer, including related costs like refills, tests, and other company fees. You can ask us to provide you with the estimate before you choose to schedule an appointment.
No Surprise Bill
You are protected from balance billing when you receive services by an out-of-network provider. In this case, you will not be charged more than your plan's copayments, coinsurance, and/or deductible.
Billing Questions
If you have questions about your Wilmington Mental Health bill, please call (910) 777-5575 Monday-Friday 9:00 a.m. to 6:00 p.m.