Billing & Coverage
Insurance We Accept
Lyte Psychiatry psychiatrists and therapists are in-network with Ambetter, BCBS, UnitedHealthcare, Cigna, Aetna, Humana, Magellan & Optum across Texas and New Mexico. Most patients pay $0–$30 per visit.
Plans We Accept
Psychiatrists and therapists at Lyte Psychiatry accept all plans below statewide, including via telehealth. Don't see your plan? Call us — we may still be able to help.
Ambetter Health
Lyte Psychiatry is in-network with Ambetter Health ACA marketplace plans in Texas and New Mexico. Ambetter is a private marketplace plan (not Medicaid). Most Ambetter members pay $20–$50/visit depending on plan tier (Silver, Gold, etc.). Find Ambetter providers →
Coverage FAQs for Ambetter →BlueCross BlueShield of Texas
In-network with BlueCross BlueShield of Texas PPO, HMO, and marketplace plans. All Lyte Psychiatry providers are credentialed with BCBS. Most BCBS members pay their standard specialist copay. Verify BCBS coverage →
Covered conditions:
UnitedHealthcare / Optum
In-network with UnitedHealthcare (UHC) commercial, Choice Plus, and marketplace plans, plus Optum-managed behavioral health networks across Texas. Telehealth visits accepted. Find UHC providers →
Covered conditions:
Cigna
We accept Cigna commercial, Open Access Plus, and marketplace plans across Texas and New Mexico. All psychiatrists and PMHNPs at Lyte Psychiatry are credentialed with Cigna. Find Cigna mental health providers →
Covered conditions:
Aetna
In-network with Aetna commercial and marketplace plans in Texas. Lyte Psychiatry providers accept Aetna for all psychiatric services including medication management and telehealth. Find Aetna psychiatrists →
Covered conditions:
Humana
We accept Humana commercial plans and select Humana Medicare Advantage plans in Texas. Contact us to verify your specific plan before booking. Check Humana coverage →
Covered conditions:
Available in:
Magellan Health
In-network with Magellan Health-managed behavioral health programs, including employer-sponsored plans using Magellan as their mental health benefits administrator. Verify Magellan benefits →
Covered conditions:
Available in:
Self-Pay / Uninsured
No insurance? Transparent self-pay rates available. Call us for current pricing — we keep rates affordable and offer sliding-scale options for qualifying patients.
Covered conditions:
HSA / FSA
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) accepted for all services. Psychiatric care is a qualified medical expense under IRS Publication 502.
Covered conditions:
Psychiatrist & Therapist Accepting Insurance by City
All services available via telehealth statewide. In-person available in the DFW area (Pantego / Arlington clinic). Click your city to see our services there.
| City | Ambetter | BCBS | UHC | Cigna | Aetna | Humana |
|---|---|---|---|---|---|---|
| Dallas, TX | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Fort Worth, TX | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Houston, TX | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Austin, TX | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| San Antonio, TX | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Plano, TX | ✓ | ✓ | ✓ | ✓ | — | — |
| Arlington, TX | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Frisco, TX | ✓ | ✓ | ✓ | ✓ | — | — |
| McKinney, TX | ✓ | ✓ | ✓ | ✓ | — | — |
| Denton, TX | ✓ | ✓ | ✓ | — | — | — |
| Irving, TX | ✓ | ✓ | ✓ | ✓ | — | — |
| Grand Prairie, TX | ✓ | ✓ | ✓ | — | — | — |
| Garland, TX | ✓ | ✓ | ✓ | — | — | — |
| Allen, TX | ✓ | ✓ | — | ✓ | — | — |
| Round Rock, TX | ✓ | ✓ | ✓ | — | — | — |
| Sugar Land, TX | ✓ | ✓ | ✓ | — | — | — |
| Waco, TX | ✓ | ✓ | — | — | — | — |
| Lubbock, TX | ✓ | ✓ | ✓ | — | — | — |
| Corpus Christi, TX | ✓ | ✓ | — | — | — | — |
| McAllen, TX | ✓ | ✓ | — | — | — | — |
| Brownsville, TX | ✓ | ✓ | — | — | — | — |
| El Paso, TX | ✓ | ✓ | ✓ | — | — | — |
| Albuquerque, NM | ✓ | ✓ | ✓ | ✓ | — | — |
| Santa Fe, NM | ✓ | ✓ | — | — | — | — |
| Las Cruces, NM | ✓ | ✓ | — | — | — | — |
| Rio Rancho, NM | ✓ | ✓ | — | — | — | — |
Coverage verified as of 2025. Always confirm with your plan before your first visit.
Insurance Coverage by Condition & Specialty
Every major plan covers the following psychiatric conditions — by law, under the Mental Health Parity Act. Click any condition to learn more.
How Billing Works at Lyte Psychiatry
We Verify Your Insurance
Before your first appointment, our billing team confirms your coverage, copay, and deductible — so there are no surprises.
You See Your Provider
Attend your telehealth or in-person visit. Our board-certified psychiatrists and PMHNPs focus on your care — billing is handled separately.
We Bill Your Insurer
We submit the claim directly to your insurance. You pay only your copay or remaining deductible.
Your Rights Under the Mental Health Parity Act
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), insurers — including BCBS, UHC, Cigna, Aetna, and Ambetter — must cover psychiatric and therapy services at the same level as medical care. They cannot charge higher copays or impose stricter visit limits for mental health than for physical health. If your plan is violating parity, file a complaint with the Texas Department of Insurance.
Insurance FAQs — Ambetter, BCBS, UHC, Cigna & More
Does Ambetter Health cover psychiatry in Texas?
Yes. Ambetter Health ACA marketplace plans cover psychiatric evaluations, medication management, therapy, and telehealth visits. Lyte Psychiatry is in-network with Ambetter in Texas and New Mexico. Copays vary by plan tier (Bronze/Silver/Gold) — typically $20–$50/visit. Note: Ambetter is a private ACA marketplace plan. See Ambetter plan details ↑
Does BlueCross BlueShield (BCBS) cover mental health care?
Yes. Under the Mental Health Parity Act, BlueCross BlueShield of Texas must cover psychiatric and therapy services at the same level as medical care. Lyte Psychiatry is in-network with BCBS PPO, HMO, and marketplace plans. See BCBS plan details ↑
Does UnitedHealthcare (UHC) cover psychiatry?
UnitedHealthcare commercial, Choice Plus, and marketplace plans cover psychiatric visits. Lyte Psychiatry is in-network with UHC and Optum-managed behavioral health networks across Texas. See UHC plan details ↑
Does Cigna cover therapy and medication management?
Cigna commercial and Open Access Plus plans cover psychiatric evaluations, medication management, and therapy. Our board-certified psychiatrists and PMHNPs are credentialed with Cigna statewide. See Cigna plan details ↑
Does Aetna cover mental health treatment in Texas?
Aetna commercial and marketplace plans cover psychiatric evaluations, medication management, and therapy. Lyte Psychiatry providers are in-network with Aetna across Texas. See Aetna plan details ↑
Does Humana cover psychiatry in Texas?
Humana commercial plans and select Humana Medicare Advantage plans cover psychiatric services in Texas. Contact us to verify your specific Humana plan. See Humana plan details ↑
How much will I pay per visit with insurance?
Most insured patients pay their standard specialist copay — typically $20–$50 depending on the insurer and plan tier. Ambetter copays vary by Bronze/Silver/Gold tier. Our billing team verifies your benefits before your first visit. Book now and we'll confirm your cost →
Is prior authorization required for psychiatry?
Some plans require prior authorization for initial evaluations or specific medications. Our administrative team handles all prior authorization requests on your behalf at no additional charge. See federal parity rules if your insurer denies coverage.
Does insurance cover telehealth psychiatric visits?
Yes. Under Texas telehealth parity law, insurers must cover telehealth visits at the same level as in-person visits. Ambetter, BCBS, UHC, Cigna, Aetna, and Humana all cover telehealth. Learn about our telehealth psychiatry services →
Do you accept out-of-network insurance?
We are primarily in-network providers. If your insurer is not listed, contact us — we may still be able to see you and provide a superbill for out-of-network reimbursement.
What if I don't have insurance?
Self-pay and uninsured patients are welcome. We offer transparent self-pay rates. HSA and FSA cards are accepted for all services. Call us to ask about self-pay rates →
Ready to Get Started?
Our team verifies your Ambetter, BCBS, UHC, Cigna, or Aetna coverage before your first appointment — at no cost to you. Same-week appointments available.