Paying for care
How can I pay?
Finding mental health care is tough. Figuring out how to pay for it can be tougher. Here is everything you need in one place, so that is one less thing to worry about.
Insurance and private pay accepted, and CareCredit is available
MySpectrum accepts many major insurance plans — including Medicare and Medicaid in Virginia, and some Medicaid plans in other states — and also welcomes private-pay clients. Coverage varies by plan, provider, and location. Our intake team can help verify benefits and explain private-pay options before scheduling.
Clients can request care whether they are using insurance or choosing private pay. Medicare, Medicaid, and EAP plans are accepted in Virginia, and some Medicaid plans in other states — Medicare in particular is not accepted at many Virginia practices.
Ways to pay
Insurance
We accept many major plans, including commercial insurance, Medicare, Medicaid, and EAPs. Acceptance is credentialed per individual provider, so please tell us your carrier as specifically as possible on the Get Started form.
Private pay
You are welcome here whether or not you use insurance. Self-pay rates are listed below and are the same regardless of why you choose to pay out of pocket.
CareCredit
CareCredit is available for clients who would like to spread the cost of care over time. Ask our intake team and they will walk you through how to apply and how it works with your sessions.
EAP
If you are using an EAP, ask your employer for the plan name — it is often different from your primary insurance — along with the authorization letter approving sessions with us.
Flexible financing with CareCredit.
Spread the cost of care over time with the CareCredit credit card. Ask our intake team and they will walk you through how to apply.
Questions to ask your insurance carrier
- Do I have mental health insurance benefits?
- Do I have a co-pay for mental health services? If so, what is it?
- What is my deductible, and has it been met?
- How many sessions per year does my health insurance cover?
Our intake team can help verify your benefits before scheduling, so you know what to expect.
Insurances accepted
Acceptance depends on the individual provider at MySpectrum, so please confirm your plan with our intake team. Plans are listed by state.
Virginia 68 plans
- AARP Medicare Supplement Plans insured by UnitedHealthcare Insurance Co
- Accendo Insurance Company
- Aetna
- Aetna Better Health of Virginia — Medicaid
- Aetna Better Health of Virginia — Medicare
- Aetna EAP
- Anthem Blue Cross and Blue Shield (Central Virginia)
- Anthem Blue Cross and Blue Shield (Northern Virginia)
- Anthem EAP
- Anthem Federal Employees
- Anthem HealthKeepers HMO
- Anthem HealthKeepers Plus — Medicaid
- Anthem HealthKeepers Plus — Medicare
- Ascellus
- Beacon (EAP)
- BIND
- (CareFirst) BlueCross BlueShield of the National Capital Area
- Centerstone Solutions
- Cigna
- Cigna EAP
- Cigna Medicare Advantage
- ComPsych
- ComPsych EAP
- CSA/FAPT Chesterfield
- CSA/FAPT Hanover
- CSA/FAPT Orange
- Curalinc Healthcare
- Evernorth
- Evernorth EAP
- First Health
- Government Employees Health Association (GEHA)
- Healthcare Management Administrators
- Humana Health Horizons — Medicaid
- Humana Inc.
- Innovation Health
- JVHL — UnitedHealthcare Community Plan (GLHP)
- Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
- Magellan Behavioral Health
- Magellan EAP
- Meritain Health
- Molina Complete Care of Virginia
- Mutual of Omaha
- Optima (EAP only)
- Optima Health Community Care Plus
- Optima Health Plan
- Optima — Medicaid
- Optum — Veterans Affairs Community Care Network (CCN) Regions 1–3
- OptumHealth
- OptumHealth (EAP only)
- OptumHealth (Oscar Plan)
- Sentara Commercial
- Sentara Medicaid
- Tricare / Humana Military
- Tricare East
- Tufts Health Plan
- UMR
- UnitedHealthcare
- UnitedHealthcare / All Savers Alternate Funding
- UnitedHealthcare / Oxford
- UnitedHealthcare / UHIS — UnitedHealth Integrated Services
- UnitedHealthcare — Medicaid
- UnitedHealthcare Medicare Advantage
- UnitedHealthcare StudentResources
- UnitedHealthOne / Golden Rule
- VA Medicare Part B (J11)
- Virginia Premier Elite Plus
- Virginia Premier Health Plans
- Virginia Premier — Medicaid
Texas 36 plans
- Aetna Allied Benefit System
- Aetna Boon-Chapman
- Aetna GEHA
- Aetna Gravie
- Aetna Marpai
- Aetna Meritain
- Aetna Texas
- Aetna WebTPA
- Anthem BCBS of Texas
- Ascension / Superior Health Plan
- Blue Cross Blue Shield of Texas
- Centivo / Baylor Scott & White
- Cigna EAP (TX)
- Cigna HealthPartner
- Cigna Scott & White Health Plan
- Cigna Texas
- Cigna TPA
- ComPsych Texas
- Curalinc
- Evernorth Texas
- Magellan EAP
- Magellan Texas
- Optum — Carveout Texas
- Optum of Texas
- Optum / United EAP (TX)
- Oscar Health Plan Texas
- Texas Health Aetna
- UMR
- UnitedHealthcare (TX)
- UnitedHealthcare All Savers / GEHA / Shared Services (TX)
- UnitedHealthcare Golden Rule
- UnitedHealthcare HealthScope Benefits (TX)
- UnitedHealthcare Medicare Advantage
- UnitedHealthcare Oxford (TX)
- UnitedHealthcare StudentResources (TX)
- UnitedHealthcare Surest
Maryland 17 plans
- Aetna Better Health of Maryland — Medicaid
- Aetna Maryland
- Amerigroup Community Care — Medicaid
- Blue Cross Blue Shield of Maryland
- CareFirst BCBS of Maryland
- Cigna Health of Maryland
- Humana
- Johns Hopkins US Family Health Plan
- Kaiser Permanente — Medicaid
- MAMSI
- Maryland Medicaid
- Maryland Physicians Care — Medicaid
- MedStar Family Choice — Medicaid
- Optimum Choice
- Priority Partners — Medicaid
- UnitedHealthcare
- Wellpoint
North Carolina 3 plans
- Aetna
- Blue Cross and Blue Shield of North Carolina — Medicare
- Evernorth
South Carolina 3 plans
- Cigna / Evernorth
- South Carolina Medicaid
- UnitedHealthcare / Optum
Georgia 3 plans
- Aetna
- Cigna / Evernorth
- UnitedHealthcare / Optum
Don’t see your plan? Contact us or call 804-924-2236 — we will check, and we will also explain private-pay and CareCredit options.
MySpectrum fee schedule / self-pay rates
| Initial Intake Assessment (60 minutes) | $115 |
|---|---|
| Therapy Session (45–50 minutes) | $75 |
| Therapy Session (60 minutes) | $90 |
| Family Therapy (with client) | $90 |
| Family Session (without client) | $90 |
| Interactive Complexity Add-On | $25 |
| Group Therapy | $40 per group |
| Life Coaching — Telehealth (50–60 minutes) | $120 |
| Life Coaching — In-Person (50–60 minutes) | $175 |
| Mental Health Evaluation for Court or Lawyers (report fee not included) | $250 |
| Outside Office Work (inpatient visits, collaborative services, court appearances) | $100 per hour |
| Written Report (court, supervisors) | $100 per hour |
| Consultation | $100 non-client / $75 current client |
| No Show / Late Cancellation (less than 24 hours’ notice) | $65 |
| Returned Check Fee (per check) | $50 |
Payments and cards on file
We accept credit card payments and require a credit card on file prior to your first appointment. If you have Medicaid or are using an EAP, we will not charge your card. If there is any issue with placing a card on file, let the scheduler know. We charge the card on file after each session for anything you owe — your copay, deductible, or other responsible amount.
For convenience, you can make payments here.
We strive to provide a setting where you can focus on your wellness and not the financial aspects of attending therapy. If you have any questions, please let us know. Likewise, if you have any issues with making a payment, please also let us know. We know there is a cost to therapy, but this shouldn’t create a cost to your mental health and wellbeing!