Brightline is in network with various health plans and insurance providers
In-network coverage with select health plans and programs
Brightline services are available in person and online in NY, NJ, and CT. Care in MA and WA is online only. Services are in network with Carelon in NJ and CT; out of network in NY. At this time, Brightline services are not covered by Medicaid, Emblem Health, Healthfirst, Fidelis, Empire, or Metroplus.
What does “in network” mean?
When a clinician or company is “in network” it means they’re contracted with an insurance provider. What does that mean for you? Lower negotiated rates and cheaper out-of-pocket costs. We have experts who can help make it more simple.
Understanding copays
A copay is a flat, fixed amount that is paid by the insured and determined by the insurer. It varies depending on the plan.
Explaining coinsurance
Coinsurance is a fixed percentage of a service rate that the insured is responsible for paying.
Decoding deductibles
Your deductible is the amount you must pay out of pocket before your insurance policy starts paying for services.
Average copays with insurance
Every plan, deductible, copay, and coinsurance is different. It depends on your insurance provider and the plan. We can help you ask your provider the right questions to estimate what your responsibility will be based on your coverage — call us for help!
Questions to ask your insurance provider
Is Brightline in network with my plan?
Is [clinician name] in network with my plan?
Is diagnosis code [code here] covered as part of my plan?
Do I have a deductible and how much do I need to pay until it's met?
Am I responsible for a copay (a fixed rate, e.g. $40) or coinsurance (a percentage of the cost of a service, e.g. 10% of therapy)?
Our staff is trained to help
Call us
We’ll check to see if Brightline is in network with your plan or talk about self-pay pricing and superbills
Gather info
We’ll talk through copays, coinsurance, deductibles, and common CPT codes that insurers need
Insurance
Our engagement specialists can tell you what questions to ask your insurance plan and give you the information you need before you call
Payments
We’ll keep your credit card on file — we can gather the information or you can upload it yourself
Helpful information on timing
After your child’s first appointment, we’ll notify you by email to let you know when your insurance claim has been processed, what the charge amount to your credit card on file will be (if any), and the timing of the payment (usually five business days).
When insurance processes the claim on their end — which may take up to 45–60 days — whatever isn’t covered is charged to the credit card on file.
If you are paying out of pocket, your credit card will be charged once your child’s clinician puts their after-visit notes into our system. This lets us know the appointment has taken place and usually happens within about three days.
If you are paying out of pocket and need a superbill, we can provide one at any time — either by request or on a regular monthly basis.
