Using Insurance for Psychiatry in New Hampshire

Short answer: most health plans cover outpatient psychiatry, including evaluations, medication management and telehealth. Calling your insurer before the first visit to confirm network status, copays and any referral requirements prevents most billing surprises.

Plans Psych Nashua accepts

We currently accept Anthem BCBS, Horizon BCBS, BlueCross BlueShield, Tufts Commercial, Blue Benefit, United Healthcare, UMR, Aetna, Health Plans Inc, Harvard Pilgrim Healthcare, Mass General Brigham Health Plan, Always Health Partners, Curative and Meritain Health. Coverage depends on your specific plan, so we recommend confirming benefits.

Questions to ask your insurer

• Is Psych Nashua in-network for outpatient mental health?

• Do I need a referral or prior authorization?

• What is my copay or coinsurance for an evaluation and for follow-ups?

• Are telehealth visits covered the same as office visits?

• How much of my deductible is left this year?

Mental health parity

Federal parity law generally requires plans that cover mental health to do so on terms comparable to medical care. If a claim is denied, ask for the reason in writing; many denials are resolved with additional documentation.

Out-of-network and self-pay

If your plan is not accepted, you can pay directly and submit a detailed receipt for out-of-network reimbursement. Many plans reimburse a portion. Current self-pay rates are on our FAQs page.

Working in Massachusetts, living in NH?

Many Southern NH residents have employer plans based in Massachusetts. These plans often work in New Hampshire too; confirm network status with the insurer.

Tips to avoid billing surprises

Keep a copy of your insurance card front and back, note the date and name of the representative when you call your insurer, and ask for a reference number. If your plan changes at the start of a new year or a new job, update our office before your next visit. Understanding your deductible early in the year helps you plan, since costs often drop once it is met.

Frequently asked questions

Does insurance cover ADHD evaluations?

Psychiatric evaluations for ADHD are usually covered. Separate psychological testing may have different coverage.

Will my employer know?

No. Health information is protected by privacy laws.

Ready to start? Request an appointment or read how to prepare for your first visit.

This article is general information, not medical advice. If you are in crisis, call or text 988 or call 911. Psych Nashua is an outpatient psychiatry practice at 215 South Broadway, Unit 129, Salem, NH (603-600-8330).