u/ceearuh

I’m going to attach screenshots of my email conversation with the provider’s CFO, so I won’t repeat everything here. Basically, I received a $1,206 bill for mental health visits that I was never told weren’t being covered. Magellan says the provider never submitted the claims, but the provider says they were billed through BCBS and denied.
Magellan says I have out-of-network benefits and offered either a superbill for me to submit myself or a CART investigation. The provider has agreed to mail me a superbill but says the claims will probably be denied and that the cash-pay rate I was given was a courtesy.

I’m trying to figure out what my best next step is. Should I accept the superbill and see what Magellan covers, or ask Magellan to open the investigation? And can the provider increase my balance to the higher billing rate after already applying the cash-pay rate?

Has anyone dealt with something similar or have advice on how to handle this?

Btw 8/19/25 was my first ever appointment

They also don’t have the best reviews online at all

I’m looking for advice because I’m really confused and honestly livid about this bill.

I’ve pretty much been seeing the same psychiatrist since August 2025. At my first appointment on 8/19/2025, I was diagnosed with ADHD and prescribed Vyvanse. I gave them my insurance card (BCBS through my fiancé’s Michelin insurance), and I was charged for the comprehensive evaluation/testing, including the computer test.

After that, my appointments have literally just been medication follow-ups. I go in, they ask if everything is still the same with my insurance, I say yes, then I see the psychiatrist for sometimes less than a minute. He asks if my Vyvanse is working, I say yes, and he refills it. That’s basically it.

My follow-up dates were:
9/23/2025
12/5/2025
1/30/2026
2/27/2026
5/27/2026
7/27/2026

Every time I went back, I asked if they needed my insurance card again and was told “it’s already on file.” I never received a bill, statement, letter, phone call, or anything else from them.

So I assumed my insurance was processing everything normally, and I continued going to CVS and paying my normal amount for my medication.

Then today (8/27/2026) I got a letter saying:
“Magellan has removed our practice from its network, effective January 1, 2026.”
It says they can continue seeing me on a cash-pay basis and that they attached a “corrected bill.”
The bill is $1,206.15 and includes charges going all the way back to August 2025.

My fiancé checked the insurance information on his end, and the only claim he can find from this psychiatrist is the original August 19, 2025 evaluation/testing. It looks like they never submitted my follow-up visits to insurance at all, and I was never told there was a problem.

I’m just confused because if they knew they weren’t in-network starting January 1, 2026, why did nobody tell me at any of my appointments? And why am I only finding out about any of this now, 8 months later, with a $1,206 bill?

I haven’t paid it. What should I do? Should I contact BCBS/Magellan first or the psychiatrist’s billing office? Is there any way to dispute this or get the bill reduced/removed?

I attached the letter, bill, and insurance information with my personal information redacted.

I’m looking for advice because I’m really confused and honestly livid about this bill.

I’ve pretty much been seeing the same psychiatrist since August 2025. At my first appointment on 8/19/2025, I was diagnosed with ADHD and prescribed Vyvanse. I gave them my insurance card (BCBS through my fiancé’s Michelin insurance), and I was charged for the comprehensive evaluation/testing, including the computer test.

After that, my appointments have literally just been medication follow-ups. I go in, they ask if everything is still the same with my insurance, I say yes, then I see the psychiatrist for sometimes less than a minute. He asks if my Vyvanse is working, I say yes, and he refills it. That’s basically it.

My follow-up dates were:
9/23/2025
12/5/2025
1/30/2026
2/27/2026
5/27/2026
7/27/2026

Every time I went back, I asked if they needed my insurance card again and was told “it’s already on file.” I never received a bill, statement, letter, phone call, or anything else from them.

So I assumed my insurance was processing everything normally, and I continued going to CVS and paying my normal amount for my medication.

Then today (8/27/2026) I got a letter saying:
“Magellan has removed our practice from its network, effective January 1, 2026.”
It says they can continue seeing me on a cash-pay basis and that they attached a “corrected bill.”
The bill is $1,206.15 and includes charges going all the way back to August 2025.

My fiancé checked the insurance information on his end, and the only claim he can find from this psychiatrist is the original August 19, 2025 evaluation/testing. It looks like they never submitted my follow-up visits to insurance at all, and I was never told there was a problem.

I’m just confused because if they knew they weren’t in-network starting January 1, 2026, why did nobody tell me at any of my appointments? And why am I only finding out about any of this now, 8 months later, with a $1,206 bill?

I haven’t paid it. What should I do? Should I contact BCBS/Magellan first or the psychiatrist’s billing office? Is there any way to dispute this or get the bill reduced/removed?

I attached the letter, bill, and insurance information with my personal information redacted.

My sweet girl is 12 years old

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