Private Insurance Billing Guides for Therapists and Psychiatrists
Every private insurer has its own payer ID, claims route, deadlines and behavioral health rules. These guides put the facts in one place, with the source and date checked beside each one. Pick the payer on the member's card.
Checked 10/1/26. Payer rules change. We cite the source on each page so you can recheck it.
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Choose a payer: private insurance billing guides
Aetna
Payer ID 60054, Aetna Better Health plans, dispute addresses, behavioral health.
Ambetter
Marketplace plans in seven of our ten states, payer ID by state, filing deadlines.
Blue Cross and Blue Shield
How independent Blue companies work, BlueCard, ID prefixes.
Blue Cross by State
A guide for each state's Blue, starting with GA, MA, CT, TX, FL, NY, CO, TN, NC and IL.
Cigna / Evernorth
Payer ID 62308, Evernorth behavioral health, Medicare change.
How to read these guides
- Private payer, Medicare, Medicaid and state law are labeled separately. They often conflict.
- Rules vary by state. We never apply one state's rule to another.
- We list only facts we confirmed on an official source and point you to where to confirm the rest.
- Operational guidance, not legal advice. For real financial or legal exposure, talk to your attorney or compliance officer.
Not sure where to start?
Look at the card. The payer name, the three-character prefix on a Blue card, and the plan name tell you which guide applies. Then verify eligibility in Availity before the first session.
Frequently asked questions
Do these guides cover Medicare and Medicaid?
Only where a private insurer runs a government plan. Each page marks those sections and points to CMS or the state Medicaid agency.
Why don't you list every payer ID?
We list the ones we can confirm on an official source. A wrong ID causes rejections.
Can MCM South bill these insurers for my practice?
Yes. MCM South bills for psychotherapists and psychiatrists, including insurance verification, electronic claims, denial follow-up and appeals, and credentialing. Get a free quote.
Explore more: Billing Terms Glossary · CPT & E/M Code Guide · Who We Serve