Behavioral health billing · Providence, RI | New clients: First hour complimentary — register here | [email protected]
Billing-Therapy
Benefits Verification

The call sheet clinicians
actually need.

Benefits verification is the single most preventable source of claim denials in behavioral health. Ten minutes on the phone before the first session eliminates most of the problems that cost hours to fix later.

Benefits Verification Call Sheet — Billing-Therapy.com
Telehealth ✓
Prior Auth ✗
Copay ✓
Visit Limit ✗
Patient Name
Date of Birth
Insurance ID
Group Number
Individual NPI
Practice NPI
Individual Deductible
Met to Date
OOP Maximum
OOP Met

Preview — full worksheet includes 10 sections, 50-state prompt pay, CPT checkboxes, and print-ready formatting.

Get the Free Call Sheet
Enter your email and we'll send you the full benefits verification worksheet — 10 sections, 50-state prompt pay reference, CPT checkboxes, and print-ready formatting. Free, no strings.
Carrier contact, portal, and rep ID Deductible and OOP — individual and family In-network and out-of-network benefits Mental health parity documentation Authorization requirements and where to submit Telehealth coverage (95 / GT modifier) CPT code coverage (90837, 90834, 90847…) Visit limits and sessions used to date Billing address and Payor ID
Rather have us run it?

We'll call the payer and document the full verification on your behalf. Typically 45 minutes to one hour of prepaid time.

Request Verification →
Denial Resolution

The codes carriers
count on you to ignore.

These aren't errors. They're tactics. Carriers use denial codes as a first-pass filter because most clinicians don't appeal — and the carriers know it. The appeal rate for behavioral health claims sits under 12%.

Code Description Severity Freq.
CO-97Service included in primary procedure / not separately payableHigh34%
CO-4Modifier required to complete adjudicationModerate22%
CO-50Non-covered — not deemed medically necessaryHigh19%
PR-2Deductible amount not metModerate14%
CO-16Claim lacks required information to adjudicateModerate11%

Source: CMS CARC/RARC data, behavioral health segment. Frequencies approximate.

"I had six months of denials just sitting in a folder. Cameron worked through them in two weeks. I got paid for sessions I had completely written off."

— Private practice LICSW, Providence, RI

References every
behavioral health biller needs.

Direct links to carrier portals, verified CPT code references, and denial code documentation — maintained for behavioral health private practice. No aggregators. No outdated PDFs.

CPT Code Reference — Psychotherapy & Behavioral Health
CPTDescriptionTimeNotes
90837Psychotherapy, individual53+ minMost common — standard session
90834Psychotherapy, individual38–52 minShorter session; must document time
90832Psychotherapy, individual16–37 minBrief sessions; prior auth often required
90791Psychiatric diagnostic evaluationIntake / diagnostic evaluation
90792Psychiatric diagnostic eval w/ medical servicesFor prescribers with medical component
90847Family psychotherapy with patient present50 minIdentify IP carefully for insurance billing
90846Family psychotherapy without patient present50 minVaries by payer — verify coverage
90853Group psychotherapyMultiple clients, one code per client
H0004Behavioral health counseling — SUDMedicaid / SUD treatment track
99213E/M — established patient, low complexity20–29 minAdd-on if medical services included
Major Carrier Portals
UnitedHealthcare / Optum
Claims, eligibility, and behavioral health credentialing via UHC Provider Portal or Availity.
uhcprovider.com →
Aetna / CVS Health
Provider portal access and behavioral health resources via Availity. Commercial and Medicare Advantage.
aetna.com/providers →
Cigna / Evernorth Behavioral
Cigna's behavioral health network operates as Evernorth. Claims and auth via Cigna for Health Professionals.
hcp.cigna.com →
Anthem / BCBS
State-specific portals. RI: BCBS-RI. National BCBS through Availity or Availity Essentials.
bcbsri.com/providers →
Regional / Government Payers
Tufts Health / Point32Health
Covers commercial Tufts and RITogether (RI Medicaid). Separate rules and portals for each product.
point32health.org/providers →
Neighborhood Health Plan of RI
RI Medicaid managed care. Eligibility and claims through NaviNet.
nhpri.org/providers →
Medicare — CMS Provider Resources
Fee schedules, PECOS enrollment, and claims resources. Behavioral health reimbursement rates increasing in 2026.
cms.gov/fee-schedules →
TRICARE East (Humana Military)
Active duty and military family members in RI and eastern region. Portal access via Availity.
humanamilitary.com/provider →
Billing Reference Tools
CARC / RARC Code Lookup
CMS's official claim adjustment reason codes and remittance advice remark codes — the source of truth for denial codes.
x12.org CARC →
APA Reimbursement Resources
American Psychological Association practice billing guidance, Medicare rates, and CPT code explanations for psychologists.
apa.org/practice/reimbursement →
2026 Key Updates
Medicare Therapy Threshold — 2026
$2,480 threshold for PT/OT requiring KX modifier. Behavioral health codes are largely exempt but verify by discipline.
Telehealth Modifier — 95 vs. GT
Modifier 95 is standard for commercial payers in 2026. GT is still used for some Medicare Advantage and Medicaid payers. Verify per payer contract.
Outpatient Psych Reimbursement
Some Medicare reimbursement rates for outpatient psychological services are increasing in 2026. Review final fee schedule.
2026 Fee Schedule →

Stop leaving
money on the
table.

$45 per hour. Prepaid. No contract. No percentage of recovery. Just results on claims you've already earned and shouldn't have to fight for.

Or email directly: [email protected]
HIPAA-compliant intake available on request.