Coverage Shouldn't Be the Confusing Part
We verify your benefits for free before your first visit, handle prior authorizations ourselves, and tell you your out-of-pocket cost before treatment starts — not on a bill afterward.
Bishop Health accepts most major commercial insurance plans and MaineCare for IOP, psychiatry, therapy, TMS, and Spravato — MaineCare does not cover PHP. TMS and Spravato typically require prior authorization, which our team submits for you. Benefits verification is free and usually complete within one business day.
Plans We Work With
Don't see your plan? Call — networks change, and out-of-network options exist.
Yes — We Accept MaineCare
Few practices offering TMS and Spravato in Maine do. MaineCare covers psychiatry, therapy, and our structured programs, and covers TMS and Spravato with prior authorization when clinical criteria are met.
One call and we'll tell you exactly what your MaineCare coverage includes.
MaineCare details →Coverage by Service
The honest overview. "Prior auth" means your insurer requires approval first — we prepare and submit that paperwork for you.
| Service | Commercial insurance | MaineCare | Self-pay option |
|---|---|---|---|
| PHP (partial hospitalization) | Covered · authorization | Not covered | Yes |
| IOP / Virtual IOP | Covered · authorization | Covered · authorization | Yes |
| Psychiatry & medication management | Covered | Covered | Yes |
| Individual therapy | Covered | Covered | Yes |
| TMS | Covered · prior auth | Covered · prior auth | Yes |
| Spravato (esketamine) | Covered · prior auth | Covered · prior auth | Yes |
| Telehealth psychiatry | Covered | Covered | Yes |
Coverage varies by individual plan — this table shows the typical pattern. Your verification call gives you plan-specific answers.
Prior Authorization, Handled
For TMS, Spravato, and program admissions, insurers want documentation — your diagnosis, prior medication trials, treatment history — before approving coverage.
We gather it, submit it, and follow up. Typical turnaround is one to two weeks, and we don't schedule treatment until you know what you'll owe.
Self-Pay & Sliding Scale
No insurance, a plan we don't accept, or a service that isn't covered — you'll get transparent self-pay pricing in writing before your first appointment.
Ask admissions about sliding-scale options; affordability is a conversation we're glad to have, not one we avoid.
Out-of-Network & Superbills
If we're out of network for your plan, many PPO plans still reimburse a portion of your costs.
We provide itemized superbills you can submit to your insurer, and we'll help you ask the right questions about your out-of-network benefits.
Have Us Check Your Benefits
Send the basics and our team calls your insurer, confirms your coverage, and calls you back — usually within one business day.
Have these ready for your first visit
Got it — we're on it.
We'll call your insurer and get back to you within one business day with what's covered. Faster answer: call (888) 280-2585.
Verify my benefits
Free, no obligation. Nothing clinical is asked here.
Insurance Questions, Answered
How do I find out what my plan covers?
Use the verification form above or call (888) 280-2585. We contact your insurer directly, confirm coverage for the specific services you're considering, and call you back with plain-language answers — usually within one business day.
What does prior authorization actually involve for me?
Very little — it's mostly on us. We compile your diagnosis, medication history, and clinical notes, submit them to your insurer, and follow up until there's a decision. You'll hear from us with the outcome and your expected cost, typically within one to two weeks.
What if my prior authorization is denied?
Denials are often appealable, and we handle appeals with additional clinical documentation. If coverage still doesn't come through, we'll walk you through self-pay pricing and clinically appropriate covered alternatives — the decision stays yours, with real numbers.
Do you accept MaineCare for everything?
MaineCare covers psychiatry, therapy, PHP, IOP, and — with prior authorization — TMS and Spravato. See the MaineCare page for specifics.
How much will therapy or psychiatry cost me per visit?
With in-network insurance, usually your plan's specialist copay or coinsurance — often between $0 and $60 per visit depending on your plan and deductible status. Verification tells you your exact number before you book.
Do you offer payment plans?
For self-pay treatment courses, ask admissions about installment arrangements and sliding-scale options — we'd rather structure payments than have cost silently end your treatment.
Can I use HSA or FSA funds?
Yes — mental health treatment, including self-pay services, is generally an eligible HSA/FSA expense. We provide the documentation your administrator needs.
Will you bill my insurance directly?
Yes, for all in-network services — you pay only your copay or coinsurance at the time of visit. For out-of-network plans, we provide superbills for you to submit for reimbursement.
Does insurance cover telehealth visits?
Maine requires parity for telehealth mental health care, so covered plans — including MaineCare — cover video psychiatry and therapy visits the same as in-person ones.
One Call Answers the Money Questions
Coverage, costs, prior auth timelines — admissions walks you through all of it before you commit to anything.
Call (888) 280-2585Calls are confidential. We respond to form inquiries within one business day.
Thank you — we received it.
Our admissions team will reach out within one business day. If you'd rather not wait, call (888) 280-2585.
Request a call back
Just contact details — nothing clinical.