WEST PALM BEACH, FL · IN-NETWORK + SELF-PAY
Psychiatry Insurance & Fees in West Palm Beach
Adult Psychiatry Insurance Verified Before Your Visit
Insurance and fees at Mental Health West Palm Beach – Trustpsychiatry — 12 confirmed in-network FL plans, BCBS + Humana via the Grow Therapy bridge, and published self-pay rates. Benefits verified before the first visit.
- ✓12 confirmed in-network Florida plans
- ✓BCBS Florida + Humana via the Grow Therapy bridge
- ✓Self-pay rates published — transparent before booking
- ✓Benefits verified in writing before your first visit
Serving West Palm Beach · Lake Worth · Wellington · Palm Beach · Greenacres · Riviera Beach · Statewide Florida telepsychiatry
ACCESS & AVAILABILITY
✓No-cost verification · ✓Same-business-day reply · ✓HIPAA-compliant Kareo intake · ✓Good Faith Estimate on request
Benefits verified in writing before your first visit at Mental Health West Palm Beach – Trustpsychiatry.
WHAT TO EXPECT
What insurance verification actually looks like at Mental Health West Palm Beach – Trustpsychiatry.
Four anchors define the path from card-on-file to first visit. The number at checkout is one you already approved — no surprises, no balance billing.
| Step | Timing | Detail |
|---|---|---|
| You submit your card | At booking | Front and back of your insurance card uploaded through the HIPAA-compliant Kareo intake portal. No charge to start. |
| Trust Psychiatry calls the payer | 1–2 business days | Trust Psychiatry verifies in-network status, behavioral-health carve-out, copay, coinsurance, deductible status, and any prior-auth requirement. |
| You see the exact number | Before first visit | Written benefits summary lands in your patient portal — copay or self-pay rate, plus any prior-auth steps in progress. |
| First visit happens | 30–60 Min | In-office at 4500 Belvedere Rd, Suite D, or via secure telepsychiatry across Florida. Card on file charged at the verified rate. |
WHAT WE DELIVER
Six anchors across in-network billing, the bridge, and self-pay transparency.
Insurance and fees here are built around six anchors. Direct in-network billing for twelve confirmed Florida plans drives the default path. The Grow Therapy bridge covers BCBS Florida and Humana while credentialing finishes. Self-pay rates are posted — the price you see is the price you pay.
12 in-network FL plans
Aetna, Cigna, UnitedHealthcare, Optum, Florida Medicaid, AvMed, Evernorth, TRICARE, M-Care, Cuare, HP, Paramount — billed directly at contracted rates.
Grow Therapy bridge — BCBS + Humana
BCBS Florida and Humana are in active credentialing. Members are seen today through Trust Psychiatry’s Grow Therapy profile — same clinician, in-network copay only.
Self-pay rates — posted, not negotiated
Initial psychiatric evaluation {SELF_PAY_INTAKE_RATE}. Follow-up medication management {SELF_PAY_FOLLOWUP_RATE}. Stable rate tied to visit length — not a cash discount, not a moving target.
Out-of-network superbill
If your plan offers out-of-network behavioral-health benefits, Trust Psychiatry issues a coded superbill so you can submit for partial reimbursement directly with your insurer.
Card on file at intake
A card on file is required at intake through the HIPAA-compliant Kareo portal — charged only after each visit at the verified copay or self-pay rate. No charge to verify, no charge to hold the appointment.
No-surprise-bills promise
A written benefits summary lands in your portal before the first visit. Good Faith Estimate available for self-pay under the federal No Surprises Act. The number you approve is the number you pay.
WHO WE SERVE
Which billing path fits the person on the other side of the card.
Most patients land on one of six clear paths. The intake call confirms which one fits your card and your coverage — before the first visit, before any charge.
| Archetype | Billing path that fits |
|---|---|
| The established adult on an in-network plan | Aetna, Cigna, UnitedHealthcare, Optum, AvMed, Evernorth, M-Care, Cuare, HP, or Paramount — billed in-network directly, copay only. |
| The BCBS Florida or Humana member | Booked through Trust Psychiatry’s Grow Therapy profile during active credentialing — in-network copay only. |
| The out-of-network self-pay adult | Posted self-pay rates apply; coded superbill issued for out-of-network reimbursement if the plan supports it. |
| The adult on Medicare Advantage | Aetna, M-Care, and Paramount Medicare Advantage products billed in-network when behavioral health is included in the plan. |
| The adult on TRICARE | Active duty, retiree, and dependents covered through TRICARE behavioral health — billed in-network directly. |
| The adult between insurances | Self-pay at posted rates today, then a clean switch to in-network billing the moment the new card lands. |
OUR PROCESS
How insurance verification unfolds at Trust Psychiatry.
Three steps from booking to first visit. Plan IDs and behavioral-health carve-outs drift — verification is what keeps the number at checkout aligned with what your card actually covers.
Book the intake
Schedule online or by phone. Front and back of your insurance card upload through the HIPAA-compliant Kareo portal. Card on file required at booking, not charged until after the visit.
Trust Psychiatry verifies benefits
Trust Psychiatry calls the payer directly: in-network status, behavioral-health carve-out, copay, coinsurance, remaining deductible, telehealth parity, prior-auth requirements. A written summary lands in your portal.
First visit happens
In-office at 4500 Belvedere Rd, Suite D, or via secure telepsychiatry across Florida. Your card on file is charged at the verified copay or posted self-pay rate — the same number you saw on the summary.
WHAT THE EVIDENCE SAYS
Three things worth knowing about transparent billing.
Federal rules, parity law, and the published health-services literature converge on a single picture: when patients know the price and the prescriber upfront, treatment adherence and outcomes improve. Trust Psychiatry runs on that premise, end to end.
“Cost transparency before a behavioral-health visit is associated with higher attendance at intake and stronger early treatment adherence; uncertainty about price is a documented barrier to seeking psychiatric care.”
Mechanism: published copay or self-pay rates plus a written benefits summary remove the “will this be affordable?” barrier before the first visit.
“Measurement-based care — PHQ-9, GAD-7, and structured visit metrics tracked alongside billing — outperforms unstructured psychiatric care on remission, retention, and patient-reported outcomes.”
Mechanism: verified benefits remove cost friction from follow-up cadence, so measurement-based care has the room to actually work.
“Single-prescriber continuity — same clinician across intake, medication management, and follow-up — reduces handoff loss and improves long-term medication adherence relative to multi-prescriber models.”
Mechanism: the same clinician owns the chart whether the billing rail is direct Trust Psychiatry billing or the Grow Therapy bridge — no handoff, no lost context.
Ready to put the evidence to work? Schedule a verified-benefits psychiatric evaluation →
SCOPE — STRAIGHT
What Trust Psychiatry bills — and what falls outside this billing scope.
In scope: direct in-network billing for twelve confirmed Florida plans (Aetna, Cigna, UnitedHealthcare, Optum, Florida Medicaid, AvMed, Evernorth, TRICARE, M-Care, Cuare, HP, Paramount); the Grow Therapy bridge for BCBS Florida and Humana during active credentialing; posted self-pay rates with a No Surprises Act Good Faith Estimate; and coded superbills for out-of-network reimbursement when the plan supports it.
Out of scope: Trust Psychiatry does not bill third-party Medicaid Managed Care plans contracted outside Florida, and does not accept dual-eligibility special needs cases (Medicaid + Medicare SNPs, secondary-payer coordination) without a prior phone conversation. If the path is unclear, the intake call confirms it before you book.
Other Services at Trust Psychiatry
More services at Mental Health West Palm Beach – Trustpsychiatry
Psychiatric Evaluation · Medication Management · Telepsychiatry Florida · Prescription Refills · MAT/Suboxone · Supportive Psychotherapy · TOVA Cognitive Testing
YOUR PRESCRIBER · SAME-CLINICIAN BILLING
One prescriber. One chart. One billing path that fits your card.
Josie Desmarais, PMHNP-BC, ANCC board-certified, sole prescriber at Mental Health West Palm Beach – Trustpsychiatry. Florida APRN License 1648222 · NPI 1255877932. 16+ years at Bay Pines VA Healthcare System (2007–2023) where complex coverage scenarios and same-clinician continuity were the daily caseload.
Same-clinician billing model: whether the claim runs through direct Trust Psychiatry in-network billing, the Grow Therapy bridge for BCBS Florida and Humana, or posted self-pay rates with a Trust Psychiatry superbill, the prescriber is the same person. The chart is the same chart. The only thing that changes is which entity submits the claim.
Read Josie’s full bio →OUR LOCATION
Visit us in Haverhill, West Palm Beach.
Off I-95 at Belvedere Rd · 7 minutes from Palm Beach International Airport (PBI) · In Haverhill, West Palm Beach FL 33415
Adults across Lake Worth · Wellington · Palm Beach · Greenacres · Riviera Beach · statewide Florida via secure telepsychiatry.
Trust Psychiatry & Wellness
4500 Belvedere Rd, Suite D
West Palm Beach, FL 33415
Hours
Mon–Fri: 9:00 AM – 5:00 PM
Sat: By appointment
Sun: Closed
Related Conditions
Conditions covered under verified benefits
Depression Treatment · Anxiety Treatment · ADHD Treatment · PTSD Treatment · OCD Treatment · Bipolar Disorder Treatment · Mood Disorder Treatment · Insomnia Treatment · CBT Therapy · DBT Therapy · ACT Therapy · Mindfulness Therapy
FREQUENTLY ASKED
Common questions about insurance and fees.
Which insurance plans does Trust Psychiatry accept in-network? ▸
Trust Psychiatry bills twelve Florida plans in-network directly: Aetna, Cigna, UnitedHealthcare, Optum, Florida Medicaid, AvMed, Evernorth, TRICARE, M-Care, Cuare, HP, and Paramount. BCBS Florida and Humana are in active credentialing and covered today via the Grow Therapy bridge described above.
I have BCBS Florida or Humana — when can I use it directly with Trust Psychiatry? ▸
BCBS Florida and Humana are in active credentialing — the typical payer credentialing window runs 90–180 days. Until direct contracts execute, BCBS Florida and Humana members are seen at in-network rates via Trust Psychiatry’s Grow Therapy bridge. When direct credentialing closes, billing transitions to Trust Psychiatry on your next renewal. No retroactive billing.
What are the self-pay rates? ▸
Self-pay rates are posted on this page. The initial psychiatric evaluation runs {SELF_PAY_INTAKE_RATE} for the 30–60 minute intake. Follow-up medication management runs {SELF_PAY_FOLLOWUP_RATE} for the 20–30 minute visit. Self-pay does not mean “cash discount” — it means a stable rate tied to visit length, posted before you book.
What is the cancellation policy? ▸
Cancel or reschedule at least 24 hours before your visit at no charge. Late cancels and no-shows are billed a $75 administrative fee, not the full visit rate. The 24-hour window applies to in-office and telepsychiatry visits alike. Cancellations inside the window happen — the fee covers held clinical time, not lost revenue.
What happens if my insurance denies the claim? ▸
Trust Psychiatry verifies benefits before the first visit specifically to avoid denied claims after the fact. If a claim is denied post-visit, Trust Psychiatry handles the appeal on your behalf where the denial is procedural. If the payer ultimately upholds the denial, you owe the posted self-pay rate — not the higher chargemaster rate. No balance-billing surprises.
Do you provide an out-of-network superbill? ▸
Yes. If your plan offers out-of-network behavioral-health benefits, Trust Psychiatry issues a coded superbill after each visit so you can submit to your insurer for partial reimbursement. The superbill includes CPT codes, ICD-10 diagnosis, NPI, and tax identification — everything the insurer needs to process the claim.
Do you accept HSA and FSA payments? ▸
Yes. HSA and FSA cards are accepted for both in-network copays and self-pay visits. Psychiatric care is a qualified medical expense under IRS rules. Itemized receipts and superbills are issued through the Kareo patient portal for your records and account substantiation.
Why is a card on file required at intake? ▸
The card on file is the standard mechanism for charging your verified copay or self-pay rate after the visit — not at booking. It also handles the $75 late-cancel or no-show administrative fee when the 24-hour window is missed. The card lives in the HIPAA-compliant Kareo billing portal, not in a Trust Psychiatry email inbox. Nothing is charged until after the appointment.
Will I get a Good Faith Estimate before the first visit? ▸
Yes. Under the federal No Surprises Act, self-pay and uninsured patients receive a written Good Faith Estimate of expected charges before scheduled care. Trust Psychiatry issues a Good Faith Estimate at intake on request. If the final bill exceeds the estimate by $400 or more, the federal Patient-Provider Dispute Resolution process is available.
Does Florida Medicaid cover psychiatric visits and MAT? ▸
Yes. Florida Medicaid covers outpatient psychiatric services and buprenorphine for opioid use disorder (verify your specific Medicaid plan’s preferred drug list at intake). Trust Psychiatry is in-network with Florida Medicaid directly, so adult psychiatric care and medication-assisted treatment are billed without an out-of-pocket cost beyond standard Medicaid cost-sharing where applicable.
READY WHEN YOU ARE
Verify your benefits — no charge, no commitment.
Twelve Florida plans billed in-network directly. BCBS Florida and Humana covered through the Grow Therapy bridge. Self-pay rates published. Card on file at intake, charged only at the verified rate after the visit. Benefits verified in writing before the first appointment.
In a mental health crisis? Call or text 988 (Suicide & Crisis Lifeline, 24/7). For medical emergency, call 911.