Insurance & Rates · Florida
Does insurance cover psychiatric care for new moms in Florida?
Yes. Bloom & Balance Psychiatry is in-network with Cigna and UHC/Optum for psychiatric evaluations and medication management for postpartum women in Florida. Coverage varies by plan — verify your specific benefits before your first appointment. Self-pay rates are also available.
Bloom & Balance Psychiatry · Annabelle Carney, PA-C, PMH-C
Accepted Insurance
Cigna
In-network for all covered psychiatric services
UHC / Optum
In-network for all covered psychiatric services
Coverage varies by plan. I recommend calling the member services number on the back of your insurance card to confirm psychiatric/behavioral health benefits before your first appointment. You can also submit your insurance details below and we'll help you verify your coverage.
Self-Pay Rates
For patients paying out of pocket, our rates reflect the depth and length of each visit. Unlike rushed insurance visits, my appointments are longer and designed to give you the time and attention you deserve.
Initial Evaluation
90 min · Comprehensive intake
$295
Comprehensive Follow-Up
50 min
$225
Focused Follow-Up
25 min
$195
Out-of-Network & Superbills
If your insurance plan is not listed above, we can provide a superbill (an itemized receipt) that you can submit to your insurance company for potential reimbursement as an out-of-network provider. Reimbursement rates vary by plan — check with your insurer to understand your out-of-network benefits before your first appointment.
Frequently asked questions about insurance.
Does insurance cover psychiatric care for new moms in Florida?
Yes. Bloom & Balance Psychiatry is in-network with Cigna and UHC/Optum for psychiatric evaluations and medication management. Coverage varies by individual plan — call the member services number on the back of your card to verify your behavioral health benefits before your first appointment.
What does 'in-network' mean for postpartum psychiatric care?
In-network means Bloom & Balance Psychiatry has a contracted rate with Cigna and UHC/Optum. When you use an in-network provider, your insurance pays a negotiated rate and you pay your plan's copay, coinsurance, or deductible — typically much less than the full self-pay rate. Out-of-network providers bill at full price and your insurance may reimburse a portion.
What if I have Cigna or UHC but my specific plan isn't covered?
Insurance coverage depends on your specific plan, not just the insurer. Some Cigna or UHC plans may not cover outpatient psychiatric care, or may require a referral. The safest step is to call member services and confirm your outpatient behavioral health benefits, including whether telehealth psychiatric care is covered.
Does insurance cover integrative postpartum care and lab testing?
Insurance covers the psychiatric evaluation and medication management portions of care. Functional lab interpretation, nutritional protocols, and the Restore & Rebalance integrative program are self-pay services not billed to insurance. Lab orders can sometimes be processed through your primary care provider and billed under medical benefits — discuss this with Annabelle during your evaluation.
Can I use HSA or FSA funds for postpartum psychiatric care?
Yes. HSA (Health Savings Account) and FSA (Flexible Spending Account) funds can generally be used for psychiatric evaluations, medication management, and medically necessary services. Check with your plan administrator for the specific rules governing your account.
What if I don't have Cigna or UHC/Optum?
If your plan is not in-network, you can still see Annabelle at self-pay rates, or you can request a superbill — an itemized receipt you submit to your insurer for potential out-of-network reimbursement. Reimbursement rates vary; contact your insurer to understand your out-of-network psychiatric benefits before your appointment.
Ready to get started?
The free consultation is a no-pressure call to see if we're a good fit. No insurance required for the consult.