Charlie Health is in-network with

most major insurance providers

including commercial and Medicaid

Aetna logo Blue Cross Blue Shield logo Cigna logo Optum logo UHC logo US Tricare logo

We accept insurance in 33 states nationwide

Your out-of-pocket expense could be as little as $0.
Contact us to verify your insurance today

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Verify your insurance coverage with Charlie Health now

We are in network with your insurance provider.*
Get started today.

Contact us directly to further verify your insurance coverage.

Your copay could be as low as

$0

Average Aetna member copay

$25

Reach out to our team to verify your coverage today

Charlie Health partners with Aetna

Charlie Health and Aetna are working together to provide personalized mental health treatment to Aetna members across the country. Learn more about Charlie Health’s in-network Aetna benefits below.

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Your copay could be as low as

$0

Average Cigna member copay

$40

Reach out to our team to verify your coverage today

Charlie Health partners with Cigna

Charlie Health is proud to be in-network with Cigna, providing comprehensive mental healthcare coverage to members in need of intensive therapy. Learn more about how Charlie Health works with Cigna below.

Explore Cigna

Your copay could be as low as

$0

Average TriCare member copay

$35

Reach out to our team to verify your coverage today

Charlie Health partners with TriCare

Charlie Health is proud to be in-network with TriCare, providing comprehensive mental healthcare coverage to members in need of intensive therapy. Learn more about how Charlie Health works with TriCare below.

Explore TriCare

Your copay could be as low as

$0

Average UnitedHealthcare member copay

$35

Reach out to our team to verify your coverage today

Charlie Health partners with UnitedHealthcare

UnitedHealthcare and Charlie Health are working together to ensure that UHC members nationwide have access to high-quality mental health treatment. Learn more about your coverage and Charlie Health’s treatment options below.

Explore UnitedHealthcare

Life-saving mental health treatment when you need it most

Our treatment programs, including our virtual Intensive Outpatient Program (IOP), combine personalized care with peer connection to foster long-term healing.

Immediate Access

Get started with Charlie Health in as little as 24 hours

Flexible Scheduling

Morning, afternoon, and evening options on Mon-Sat

Exceptional Outcomes

Measured care to optimize the treatment experience

FAQs for Insurance

See All FAQs

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 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 can I tell 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.

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.

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.

We also recommend that you contact your insurance plan provider directly to verify your coverage with Charlie Health.

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.

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Ready to get started with Charlie Health?