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.

View Current Insurance Providers

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.

Download Insurance Verification Tool

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 (not outpatient)
Cigna / Evernorth
First Health
Humana Medicaid
Kaiser
Magellan Health
Peach State Health Plan
UHC TennCare / CMO Only Medicaid
(children & adolescents only)
UnitedHealthcare / Optum

Minnesota

America’s PPO
BlueCross BlueShield
HealthPartners
Hennepin Health
Medica / United Behavioral Health / Optum
South Country Health Alliance
UCare

North Carolina

Aetna
Anthem / BCBS
Cigna / Evernorth
First Health
Humana Medicaid
MedCost
Magellan Health
UnitedHealthcare / Optum
UHC TennCare

Ohio

Aetna
Aetna Better Health of Ohio (Ohio Rise)
Anthem BlueCross BlueShield
AultCare
Carelon Behavioral Health
CareSource
Cigna / Evernorth
Medical Mutual of Ohio
Molina Healthcare
Mutual Health Services
Ohio Healthy
OSU Health Plan
SummaCare
UnitedHealthcare / Optum

Pennsylvania

Aetna
Geisinger
Highmark
Optum
UPMC

Washington

Aetna
Asuris Northwest Health
Cigna / Evernorth
Community Health Plan of Washington
Coordinated Care
First Choice Health Network
Kaiser Permanente
King County Integrated Care Network
Molina Healthcare
Premera BlueCross
Regence BlueShield
UHC Community Plan
(in-network coverage in King County only)
United Behavioral Health / UnitedHealthcare / Optum
Wellpoint

Wisconsin

Cigna
HealthPartners
Humana
United Behavioral Health / Optum
Carelon Behavioral Health
(outpatient only)

If your insurer isn’t listed, out-of-network benefits may still apply. Contact us at 888-364-5977 (ext. 1612) for guidance.

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.

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

Why aren’t my benefits a guarantee of payment?

Because coverage depends on many factors—diagnosis, service type, and plan terms—insurance companies finalize payment only after reviewing a submitted claim.

Why can’t The Emily Program tell me exactly what treatment will cost?

Total cost depends on your plan’s deductible, co-pay, network rate, and how many services you use.

What does ‘covered service’ mean?

A service included in your insurance benefits. Coverage varies by plan.

What happens if a service requires authorization?

We’ll submit the authorization before treatment. However, approval doesn’t guarantee payment—it just confirms the service meets medical necessity requirements.

What if I have two insurance plans?

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.

Can my services be billed differently for better benefits?

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.

Need Help?

Call 888-364-5977 to connect with our Client Accounts Team or Schedule an Assessment.

Helpful Resources

Insurance Verification Tool (PDF)

Current Insurance Providers

Health Insurance FAQs

Insurance Terms & Definitions

Payment Options

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.

Call 888-364-5977

Schedule an Assessment

Insurance Verification Tool (PDF)

Insurance & Payment

Accessible, transparent, and here to help.

Insurance Coverage Overview

Download and Use the Insurance Verification Tool (PDF)

Current Insurance Providers

The Emily Program works with most major insurance companies across its service regions.

Georgia

Minnesota

North Carolina

Ohio

Pennsylvania

Washington

Wisconsin

How to Verify Your Insurance Coverage

Step 1: Call your insurance provider

Step 2: Confirm coverage with our admissions team

Step 3: Keep your policy current

Need help verifying coverage?

What Will Your Insurance Pay?

Health Insurance Basics and Key Terms

Claim

Co-pay

Co-insurance

Deductible

Coverage limits

Exclusions

EOB (Explanation of Benefits)

In-network provider

Out-of-network provider

Out-of-pocket maximum

Premium

Prior authorization

Coordination of benefits

Health Insurance FAQs

Questions About a Bill?

Payment Options

Need Help?

Helpful Resources

Summary: What to Expect

Confidential

Same-week availability

Insurance verified at no cost

No obligation