Accepted insurance

Most Life Psychiatry providers are in-network with Blue Cross Blue Shield (BCBS) which includes BCBS of Alabama, BCBS of other states, All Kids, and Anthem. For BCBS, we are an in-network provider, meaning your insurance will typically cover services according to your plan’s benefits.

Life Psychiatry is not in-network with any other insurance carriers at this time and we do not accept workers’ compensation insurance.

Blue Cross Blue Shield

Accepted for most services

Self-pay / Private pay

Accepted for all services

Confirm your benefits

If you’re not sure what type of coverage you have, we recommend that you call the “member services” phone number listed on the back of your Blue Cross Blue Cross / All Kids / Anthem insurance card. Here are the questions you should ask them prior to scheduling with us:

Do I have mental health insurance benefits?
What is my yearly deductible, and how much is left?
How many sessions per year does my plan cover for psychiatry vs therapy/counseling services?
Is approval required from my primary care physician?
Do I need “prior authorization” for psychiatric or psychotherapy services?
What is my co-payment or co-insurance?

Note: No matter your diagnosis or progress, some health plans may limit the number sessions you can have. It is the patient’s responsibility to be aware of these limits and monitor the number of sessions remaining.

Possible out-of-network reimbursement with superbills

Life Psychiatry only accepts BCBS insurance at this time. If you have a different insurance plan, we are considered “out-of-network,” which means your insurance might not cover our services. To find out if your plan will reimburse you for out-of-network services, you’ll need to contact your insurance company directly and ask about out-of-network coverage. We can give you a detailed receipt (called a superbill) that you can submit to your insurance for possible partial reimbursement, but we can’t promise they’ll pay.

We recommend contacting your insurance provider directly to inquire about out-of-network coverage before starting services with Life Psychiatry. It is our understanding that Medicaid and most Medicare plans do not reimburse for services provided by out-of-network providers but please check with your insurer directly.

To get a superbill for our services at Life Psychiatry, email our billing team at billing@livefreemobile.com.

What questions should I ask my insurance before starting services with Life Psychiatry if I want to use my out-of-network insurance?

Call the number on the back of your health insurance card and ask for “member services.” Be sure to ask the following questions to verify your coverage:

Do I have mental health insurance benefits?
What is my yearly deductible, and how much is left?
How many sessions per year does my plan cover for psychiatric and psychotherapy services?
Is approval required from my primary care physician?
Do I need “prior authorization” for psychiatric or psychotherapy services?
How much does my insurance reimburse for out-of-network services under the following CPT codes?
- 90837 (60-minute psychotherapy session)
- 99205 (new patient psychiatric evaluation, typically 60 minutes)
- 99214 (established patient, 25-minute office visit)
- 99215 (established patient, 40-minute office visit)
What is my co-payment or co-insurance?
How do I submit a superbill? Is there an online portal, or do I need to mail or fax a copy?
What is the time limit for submitting a superbill?
What is my home and mailing address on file (to ensure payments are sent to the correct address)?

What is a superbill?

A superbill is a detailed document, similar to an invoice or receipt, that summarizes the services you received during your sessions. It is automatically generated by our electronic health system and sent to you on a monthly basis. To be eligible for reimbursement, a superbill must include the following information:

Client’s name, address, and date of birth
Provider’s name, phone number, and email
Provider’s Tax ID and National Provider Identifier (NPI)
Statement number and date issued to the client
Diagnosis and diagnosis code
Service type, date, and corresponding CPT code
Fees paid for the services

This document is essential for submitting claims to your insurance company for possible partial reimbursement.

Request your Life Psychiatry superbills by emailing our billing team at billing@livefreemobile.com.

What should I consider before submitting a superbill to my insurance?

Before deciding to submit a superbill for reimbursement, here are some key points to consider:

A diagnosis is required: Insurance reimbursement typically requires a clinical diagnosis, which will be included on your superbill. This diagnosis must align with the criteria outlined in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5) or the International Classification of Diseases (ICD-10). Examples of diagnoses and their codes include:
- Adjustment Disorder with Depressed Mood (F43.21)
- Bipolar I Disorder, Current or Most Recent Episode Depressed, In Partial Remission (F31.75)
- Cannabis Use Disorder, Mild (F12.10)
- Posttraumatic Stress Disorder (F43.10)
- …and many others.
Discuss concerns about diagnosis: If you have questions about your diagnosis or any concerns about receiving one, we encourage you to discuss these with your provider. They can provide clarification and address your concerns.

Understanding these considerations can help you make an informed decision about submitting a superbill to your insurance.

Submitting your superbill for reimbursement

Submitting a superbill can help you maximize your insurance benefits and manage out-of-pocket healthcare expenses. By understanding your coverage and following the reimbursement process, you can handle this with confidence and ease. For assistance or questions about submitting a superbill for your visit, feel free to contact Life Psychiatry.

Request your Life Psychiatry superbills by emailing our billing team at billing@livefreemobile.com.

Reach out when you’re ready.

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Life Psychiatry serves Mobile, AL, Baldwin County and surrounding areas. Our dedicated team offers expert mental health care tailored to the unique needs of our community. Whether you’re dealing with anxiety, depression, addiction, bipolar disorder, or other mental health conditions, our office provides comprehensive psychiatric evaluations, personalized treatment plans, and ongoing support to help you achieve optimal well-being. Conveniently located for residents in Mobile and Baldwin County, psychiatrist Dr. Diaz and his staff are committed to delivering compassionate and effective care in a welcoming environment. Explore our services and take the first step towards better mental health with our trusted psychiatric professionals today.