Insurance by State
Commercial Insurance by State
Alaska
Arizona: Evernorth
Colorado: Evernorth
Connecticut
Delaware
District of Columbia
Hawaii
Idaho: Evernorth
Iowa: Evernorth
Kansas: Evernorth
Maine: Evernorth
Maryland: Evernorth
Massachusetts
Minnesota
Montana
Nebraska
Nevada: Evernorth
New Hampshire: Evernorth
New Mexico: Evernorth
North Dakota
Oregon: Evernorth
Rhode Island
South Dakota
Utah: Evernorth
Texas: Evernorth, Carelon, Curative, Aetna
Vermont
Washington: Evernorth
Wyoming
Last updated: July 28th, 2026
Insurance Participation Disclaimer
Nureli Medical Group's acceptance of an insurance plan does not necessarily mean that we have a direct contractual relationship with the insurance company. Depending on your insurance plan, state, provider, or service, claims may be submitted through a contracted provider network, a delegated entity, a third-party billing partner, or another authorized billing arrangement.
Insurance participation may vary by provider, location, state, and specific benefit plan. Listing an insurance company on our website does not guarantee that every product, employer-sponsored plan, marketplace plan, or network offered by that insurer is considered in-network.
Patients are encouraged to verify their behavioral health benefits directly with their insurance company before receiving services. Insurance verification performed by Nureli Medical Group is provided as a courtesy and does not guarantee coverage, eligibility, payment, or reimbursement. The patient's insurance company is solely responsible for determining benefits, coverage, medical necessity, and payment of claims.
Patients remain responsible for any copayments, deductibles, coinsurance, non-covered services, or other amounts determined to be their financial responsibility by their insurance plan.
Insurance Verification
Before your appointment, you may be asked to provide:
Your insurance company name
Member identification number
Group number
A clear photo of the front and back of your insurance card
The policyholder’s name and date of birth
Your current address
Your state of residence and physical location
We may verify whether your insurance appears active and whether Nureli Medical Group is listed as an in-network provider.
Insurance verification is not a guarantee of payment. Your insurance company makes the final decision regarding eligibility, coverage, medical necessity, and claim payment.
Copays, Deductibles, and Coinsurance
Depending on your insurance plan, you may be responsible for:
A copay
Coinsurance
Your deductible
Services that are not covered by your plan
Charges denied by your insurance company
Fees that are not billable to insurance
Your estimated patient responsibility may be collected before or at the time of your appointment.
The final amount you owe may change after your insurance company processes the claim.
Deductible Plans
Having insurance does not always mean that your visit will be fully covered.
When you have a deductible, your insurance company may require you to pay the contracted cost of your visit until the deductible has been met. After the deductible is met, your plan may begin paying a larger portion of your healthcare expenses.
You may contact the member services number on the back of your insurance card for information about your deductible and behavioral health benefits.
Out-of-Network Benefits
If Nureli Medical Group is not in-network with your insurance plan, you may still be able to receive care using self-pay or out-of-network benefits.
Upon request, we may provide a superbill containing information that you can submit to your insurance company for possible reimbursement.
Reimbursement is not guaranteed. Patients are responsible for contacting their insurance company to confirm whether out-of-network mental health services are covered.
Self-Pay Options
Patients may choose to pay for services without using insurance.
Self-pay may be appropriate when:
Nureli Medical Group is not in-network with your plan
You do not have insurance
You do not want a diagnosis submitted to an insurance company
Your insurance does not cover the requested service
You prefer not to use your insurance benefits
Payment is generally due before or at the time of service.
Services That May Not Be Covered
Some insurance plans may not cover every service offered by Nureli Medical Group.
Services that may have limited or no insurance coverage include:
Administrative forms
Employment or school documentation
Disability or FMLA paperwork
Letters requested outside of routine clinical care
Missed appointments
Late cancellations
Certain psychological evaluations
Pharmacogenomic testing
Services considered experimental or not medically necessary
Services received while the patient is located in a state where the provider is not licensed
You will be notified of known fees whenever possible before the service is completed.
Referrals and Prior Authorizations
Some insurance plans require a referral, prior authorization, or approval before certain services can be provided.
Patients are responsible for confirming whether their plan requires:
A referral from a primary care provider
Prior authorization
A specific diagnosis
Use of a designated pharmacy
Laboratory testing
Step therapy
A certain number of visits
Nureli Medical Group may assist with prior authorization requests, but approval is determined by the insurance company.
Telehealth Coverage
Most appointments at Nureli Medical Group are provided through secure telehealth.
You must be physically located in a state where your Nureli provider is licensed at the time of your appointment.
Coverage for telehealth services depends on your insurance plan. Patients should confirm that outpatient behavioral health and telehealth services are included in their benefits.
Changing Insurance Plans
Please notify Nureli Medical Group before your next appointment if:
You receive a new insurance card
Your employer changes insurance plans
Your member identification number changes
Your plan terminates
Your legal name changes
Your address changes
You move to another state
Your primary and secondary insurance order changes
Failure to provide updated insurance information may result in delayed claims or patient responsibility for the full cost of the service.
Frequently Asked Questions
How do I know whether you accept my insurance?
Submit your insurance information through our secure patient intake or scheduling system. Our team will review your information and confirm whether we appear to participate with your plan.
Does insurance verification guarantee that my visit is covered?
No. Insurance verification is an estimate based on the information available at the time. Your insurance company makes the final coverage and payment decision.
Can I use insurance if I have not met my deductible?
Yes. However, you may be responsible for the insurance-contracted cost of the appointment until your deductible has been met.
Can I pay privately even if I have insurance?
Yes. You may choose not to use your insurance for certain services. Let our team know before the claim is submitted.
Do you accept Medicare or Medicaid?
Medicare and Medicaid participation varies by state and provider. Please review the state-specific insurance list or contact our team before scheduling.
What happens if my insurance denies the claim?
Our team may review the denial and submit corrections or additional information when appropriate. You may remain financially responsible if the service is not covered under your plan.
Can you tell me exactly how much my visit will cost?
We can provide an estimate, but the final amount depends on how your insurance company processes the claim.
Before Scheduling
Before booking an appointment, we recommend asking your insurance company:
Is Nureli Medical Group in-network?
Is my individual provider in-network?
Are outpatient psychiatric services covered?
Are telehealth appointments covered?
Do I have a copay, deductible, or coinsurance?
Is prior authorization required?
Are there limits on the number of visits?
Are medication-management appointments covered?
Need Help?
Our team can help you submit your insurance information and understand the next steps.
For your privacy, please do not send insurance cards, medical records, or other protected health information through regular email.
Use Nureli Medical Group’s secure scheduling or patient communication system to submit insurance information.
E-Mail: team@nurelimed.sprucecare.com