Insurance & Fees Transparent Care
At PM Spencer Psychiatry, we believe that clear communication about financial commitments is essential to a trusting therapeutic relationship. Our approach is rooted in transparency, ensuring you are fully informed and comfortable as you begin your journey toward mental wellness.
Accepted Insurance Plans
We are committed to making mental health care accessible. PM Spencer Psychiatry currently accepts the following insurance plans, including Medicaid and Medicare:
Aetna
In-Network Provider
Blue Cross Blue Shield (BCBS)
In-Network Provider
Cigna / Evernorth
In-Network Provider
Optum / UnitedHealthcare
In-Network Provider
Oscar Health
In-Network Provider
Medicare & Medicaid
Accepted
To ensure care remains accessible, we offer a limited number of sliding scale spots for clients who otherwise could not afford services. Eligibility can be discussed during your consultation.
Insurance patients: Your out-of-pocket cost is based on your individual insurance benefits, including  applicable copays, coinsurance, and deductibles.Â
Self-Pay Rates Listed below
Initial Psychiatric Assessment
An in-depth 60-90 minute diagnostic session reviewing your history and symptoms to establish a custom wellness plan.
$250
Follow-Up & Medication Review
A standard 20-30 minute appointment to evaluate your ongoing progress, adjust prescriptions, and offer guidance.
$125
Extended Consultation & Therapy
A comprehensive 45-50 minute visit integrating careful medical management with evidence-based therapeutic approaches.
$200
Out-of-Network Benefits
If PM Spencer Psychiatry is not an in-network provider for your plan, you may still be eligible for reimbursement through out-of-network benefits. We aim to make this process as seamless as possible by providing detailed superbills upon request, which you can submit directly to your insurance company for potential repayment of your out-of-pocket costs.
Financial FAQ
We aim to make your path to care as straightforward as possible. Here are answers to common questions about insurance, payments, and billing.
Can I use my HSA or FSA for appointments?
Yes, Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are accepted methods of payment for all our psychiatric services, including evaluations and medication management.
Do you bill insurance directly?
For in-network plans, we handle the billing process directly. If you are using out-of-network benefits, we provide a superbill that you can submit for reimbursement.
How do I know my specific co-pay?
We recommend contacting your insurance provider directly via the number on the back of your card to verify your mental health outpatient benefits and co-payment amounts prior to your first visit.
When is payment due?
Payment for co-pays or self-pay rates is due at the time of your appointment. We keep a card on file in our secure patient portal to facilitate seamless billing.