Insurance & Payment
Accessible, transparent, and here to help.
Understanding how insurance and payment work shouldn’t stand between you and recovery. The Emily Program is committed to helping clients and families navigate coverage, clarify costs, and access the care they deserve.
Insurance Coverage Overview
Seeking treatment is a big step—and understanding your insurance shouldn’t make it harder. The Emily Program partners with most major insurance companies to ensure clients receive the highest level of benefits available under their plans.
We’re here to help you:
- Confirm whether your plan is in-network
- Understand what portion of care your insurance may pay
- Estimate potential out-of-pocket costs
- Learn common insurance terms and processes
If you have questions, call 888-364-5977 and ask for our Client Accounts Team (ext. 1357).
Download and Use the Insurance Verification Tool (PDF)
This simple step-by-step form walks you through what to ask your insurance provider before starting treatment.
How to Verify Your Insurance Coverage
Step 1: Call your insurance provider
You are your own best advocate. Before treatment begins, contact your insurance company directly using the number on your card. Ask:
- Is The Emily Program an in-network provider?
- What is my deductible and out-of-pocket maximum?
- What is my co-pay or co-insurance for therapy and medical visits?
- Are prior authorizations required for residential or day treatment?
- Do I need a referral from my primary care provider?
Use the Insurance Verification Tool (PDF) to guide this call.
Step 2: Confirm coverage with our admissions team
After scheduling your intake assessment, we’ll also contact your insurer for a benefits quote.
PLEASE NOTE: Benefit quotes are not a guarantee of payment. Final coverage is determined by your insurance company when a claim is processed.
Update your insurance company each year—or anytime your plan changes—to avoid interruptions in care.
Step 3: Keep your policy current
Need help verifying coverage?
Call 888-364-5977 or Schedule an Assessment to connect with an admissions specialist.
Current Insurance Providers
The Emily Program works with most major insurance companies across its service regions.
PLEASE NOTE: This list is subject to change. Please confirm coverage with your insurer or use our Insurance Verification Tool (PDF).
Georgia
- Aetna
- Amerigroup
- Anthem / BCBS
- CareSource
- Cigna
- Humana Medicaid
- Kaiser
- Magellan Health
- TennCare / CMO Only Medicaid (only available for children & adolescents)
- Peach State Health Plan
- United Healthcare / Optum
Minnesota
- BlueCross BlueShield
- HealthPartners
- Medica / United Behavior Health / Optum
- South Country Health Alliance
- UCare
North Carolina
- Aetna
- Anthem / BCBS
- Cigna
- First Health
- Magellan Health
- United Healthcare / Optum
Ohio
- Aetna
- Aetna Better Health of Ohio (Ohio Rise)
- Anthem BCBS
- AultCare
- Carelon Behavioral Health
- CareSource
- Cigna
- Community Health Plan of Washington
- Molina Healthcare
- Medical Mutual of Ohio
- Mutual Health Services
- Ohio Healthy
- OSU Health Plan
- SummaCare
- United Healthcare / Optum
Pennsylvania
- Aetna
- Geisinger
- Highmark
- Optum
- UPMC
Washington
- Aetna
- Asuris Northwest Health
- Cigna
- Community Health Plan of Washington
- Coordinated Care
- First Choice Health Network
- Kaiser Permanente
- King County Integrated Care Network
- Molina Healthcare
- Premera BlueCross
- Regence BlueShield
- United Behavioral Health / United Healthcare / Optum
- UHC Community Plan*
*in-network coverage in King County - Wellpoint
Wisconsin
- Cigna
- HealthPartners
- United Behavioral Health / Optum
If your insurer isn’t listed, out-of-network benefits may still apply. Contact us at 888-364-5977 (ext. 1612) for guidance.
What Will Your Insurance Pay?
Your insurance plan determines what portion of your treatment costs are covered.
To estimate your share:
- Call your insurance company using the number on your card.
- Ask about in-network coverage for The Emily Program.
- Review your deductible, co-pay, and co-insurance amounts.
- Use the Insurance Verification Tool (PDF) to record their answers.
- Confirm whether any authorization is required before care begins.
If you’re struggling to get clear answers, ask to speak with a case manager or health advocate through your insurance company.
Health Insurance Basics and Key Terms
Claim
A request for payment sent to your insurer for services received.
Co-pay
A fixed dollar amount you pay at each visit (due at time of service).
Co-insurance
A percentage of costs you pay after meeting your deductible.
Deductible
The amount you must pay before insurance begins covering costs.
Coverage limits
Dollar or service maximums set by your plan.
Exclusions
Services not covered by your policy.
EOB (Explanation of Benefits)
A statement from your insurer explaining what was paid and why.
In-network provider
A clinician or facility contracted with your insurer, offering discounted rates.
Out-of-network provider
A clinician not contracted; higher personal costs usually apply.
Out-of-pocket maximum
The most you’ll pay in a year before insurance covers 100%.
Premium
The monthly cost of maintaining your insurance coverage.
Prior authorization
Pre-approval required by some insurers for certain services (like residential care).
Coordination of benefits
When you have two insurance plans, determines which pays first.
Health Insurance FAQs
Because coverage depends on many factors—diagnosis, service type, and plan terms—insurance companies finalize payment only after reviewing a submitted claim.
Total cost depends on your plan’s deductible, co-pay, network rate, and how many services you use. We can estimat
A service included in your insurance benefits. Coverage varies by plan.
We’ll submit the authorization before treatment. However, approval doesn’t guarantee payment—it just confirms the service meets medical necessity requirements.
Your insurers use a “Coordination of Benefits” process to determine which plan pays first. Make sure both are up to date to avoid denied claims.
No. Claims must reflect actual services provided and comply with insurer contracts and federal regulations.
Questions About a Bill?
Contact Accanto Health’s Client Accounts Team at 888-364-5977 (ext. 1357) for help understanding statements or arranging a payment plan.
Payment Options
We’re committed to making treatment accessible.
- Pay online, in person, or by mail:
The Emily Program
P.O. Box 95952
Chicago, IL 60694-5952 - Co-payments are due at the time of service.
- Insurance claims are submitted by our billing team on your behalf.
- Missed appointments must be canceled at least 24 hours in advance to avoid a fee (not covered by insurance).
If you’re facing financial hardship, please contact us—we’ll work with you to find a solution.
Summary: What to Expect
- Call your insurer → Verify coverage using our Insurance Verification Tool (PDF).
- Confirm in-network status → The Emily Program contracts with most major insurers.
- Begin treatment → We handle authorizations and billing.
- Stay informed → Review statements and ask questions anytime.