Charlie Health is in-network with
most major insurance providers
including commercial and Medicaid
250+ million lives covered nationwide
Your out-of-pocket expenses could be as little as $0.
Contact us to verify your insurance today.
Life-saving treatment when you need it most
People in crisis are struggling to find the treatment they need. With immediate access, flexible scheduling, and exceptional outcomes, Charlie Health is creating serious, effective, and accessible solutions.
Our mental health and substance use treatment programs, including our virtual Intensive Outpatient Program (IOP), ensure every client receives personalized, whole-person care designed for long-term healing and success.
Mental Health
Treating high acuity mental health conditions with hyper-personalized, evidence-based care for teens and adults.
Learn More
Substance Use Disorders
Comprehensive care that combines compassionate accountability, revolutionary technology, and data-informed treatment.
Learn MoreIn their words
“I have never felt more supported.”
I was very sick when I came to Charlie Health. But after only a week, I was already using new skills I had learned, and connecting with my group members in healthy ways. I have never felt more supported. I am confident that Charlie Health is the primary reason I have been able to make positive changes in my life and continue living every day to its fullest.
— Sydney C.R.
In their words
“I’ve dealt with severe anxiety my whole life.”
I developed agoraphobia, and I was depressed that I was missing out on everyday teen things. But when I started going to groups at Charlie Health, I gained the confidence to begin my recovery journey. I now have the resources and skills I need to leave my house.
— Annie R.
In their words
“I was able to see what it was that made life worth living.”
Charlie Health provided me with the tools that I needed to overcome my depression and finally start enjoying life again. If felt as if a sheet had been removed from my vision, and I was able to see what it was that made life worth living!
— Rory C.
In their words
“I now know I’ll make it.”
It’s important to keep going no matter what. You should seek help when needed for your well-being and improving yourself and your health. There is always a light at the end. Life’s full of ups and downs, and personally, it’s a bumpy road, but thanks to Charlie Health, I now know I’ll make it and have the support I need.
— Bella T.
In their words
“I knew it was time to do something.”
I was struggling with depression, anxiety, and insomnia. I knew it was time to do something about it. Because of Charlie Health, I’ve been able to network with others and remain in contact with some of the people from my cohort who went through treatment with me. Charlie Health is intense but well worth it.
— Brian J.
FAQs about Insurance
See All FAQsWhat insurance plans do you work with?
We are in-network with most major insurance plans, including:
- UnitedHealthcare
- Cigna
- Blue Cross Blue Shield
- Aetna
- Anthem
- Humana
- TRICARE
- Medicaid (in select states)
- And more
To verify your insurance, reach out to our Admissions Team.
How can I find out if I’m eligible?
Once you provide us with your insurance information (which includes the information on both the back and front of your current insurance card), our dedicated Benefits Team will reach out to your insurance company and obtain all benefits available to you for care at Charlie Health.
Please get in touch with our Admissions Team to get started with your verification of benefits.
What mental health services are covered by my insurance?
All insurance policies are different. After we obtain the benefits available on your policy, our team of expert utilization case managers will contact your insurance provider and obtain any necessary authorizations for your treatment. Should there be any issues, our team will reach out to you for more information. Please get in touch with our Admissions Team to get started with your verification of benefits.
We also recommend that you contact your insurance plan provider directly to verify your coverage with Charlie Health.
How can I find out more about my coverage?
Once our Benefits Team has your policy details, one of our expert financial counselors will process your benefits and let you know all services that are either covered or excluded based on your policy. The team will explain the cost of care, how much your insurance will cover, and how much, if any, you will be responsible for.
Please get in touch with our Admissions Team to get started with your verification of benefits.
Do you work with OON insurance?
We accept major OON insurances and will work with your policy to maximize available benefits. Verify your insurance with our Admissions Team to learn more about your options.
Do you accept self-pay?
Yes, we allow clients to self-pay in select states, and financing options are available. Please get in touch with our Admissions Team to learn more.
Do you accept Medicaid?
We accept Medicaid in states where IOP is covered. To learn more about Medicaid coverage in your state, contact our Admissions Team.
Do I have to use insurance?
Under applicable law, you do not have to utilize insurance to receive care at Charlie Health. We have self-pay options available in select states if you choose to pay for care out-of-pocket. Please keep in mind that if you choose not to utilize your insurance coverage during treatment and wish to attempt to bill insurance at a later date, Charlie Health cannot guarantee that your insurance plan will retroactively authorize or pay for treatment provided. Please keep in mind that your treatment is private and that HIPAA ensures that the details of the care you or your loved one receive remain anonymous.
How will my insurance be billed?
Once you receive care, Charlie Health will bill all care received to your insurance company. Should we have any problems, one of our business office team members will contact you for any additional information needed to process your claims to insurance.
How will I be billed after my insurance processes my claims?
Our expert financial counselors will discuss any patient responsibilities or balances you may owe for your care at Charlie Health. Most balances are collected prior to care or set up within a payment plan to be paid during your time with Charlie Health. Once all of your insurance claims have been processed by your insurance provider, any remaining balance will be billed to you directly by Charlie Health. Insurance companies can take up to 60+ days to pay most claims for care. Once all claims have been paid by insurance, we will bill you for any outstanding balances.
