Insurance & Payment
At Charlotte Black Therapy, we strive to make mental health care accessible to everyone. We are pleased to accept a variety of insurance plans and payment options to suit your needs. Below is a list of the insurance providers we work with:
Accepted Insurance Providers
Blue Cross Blue Shield (BCBS): We accept BCBS insurance plans to help cover the cost of your therapy sessions.
Aetna: Aetna members can use their benefits for therapy services at our practice.
Cigna: We work with Cigna to ensure you receive the mental health support you need.
United Healthcare: United Healthcare insurance is accepted for therapy services at Charlotte Black Therapy.
TRICARE: We are proud to offer services to those with TRICARE insurance, supporting our military and veteran communities.
Verification and Assistance
To ensure that your insurance plan is accepted and to help with any verification, please complete the forms on the “Schedule Now” button and include your insurance information. We’ll review your insurance benefits and let you know what kind of mental health coverage you have. Our team is here to assist with any questions you may have about your benefits, coverage, or payment options.
While we strive to provide accurate information about your mental health coverage, please note that the details we offer are not guaranteed. For the most precise and up-to-date information regarding your insurance benefits and financial responsibility, we recommend calling the number on the back of your insurance card. Inform them that you would like to begin receiving mental health services and inquire about your financial obligations. If they request a service code, some common codes for the services we provide are 90791, 90837, and 90834. This will help ensure you get the most accurate information for your needs.
We are committed to making your experience as smooth and supportive as possible. If you have any questions about insurance or payment, don’t hesitate to reach out to us.
Private Pay
At Charlotte Black Therapy, we offer flexible payment options, including private pay. If you’d like to find out the cost for seeing a specific therapist, simply click the button below and then select the little plus sign under the therapist's picture to view their rate per session. We also accept Care Credit for added convenience. For more information on Care Credit and how to use it, please see the details below.
Flexible Financing with CareCredit
The CareCredit health, wellness, and personal care credit card gives you a convenient, flexible way to pay for care for the whole family—including pets! With everyday promotional financing for purchases of $200 or more, you can pay over time with convenient monthly payments. *
Click the “Financing Available” button to see if you prequalify with no impact to your credit score.
*Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.
No Surprises Act
The No Surprises Act is a federal law designed to protect you from unexpected medical bills when receiving out-of-network care. For therapy services, this means you should not receive surprise bills for out-of-network providers if you follow certain procedures. At Charlotte Black Therapy, we are committed to transparency in billing and strive to ensure that you are aware of your financial responsibilities before receiving services. If you have any questions about your coverage or potential costs, please don’t hesitate to contact us. We are here to help you understand your benefits and avoid unexpected charges.
