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Behavioral health billing

Behavioral Health Billing Built Around Time, Clinicians and Carve-Outs

Billing for psychiatry and therapy practices — psychotherapy time rules, E/M with psychotherapy add-ons, crisis and group codes, telehealth, clinician enrollment and behavioral health carve-out plans.

  • Psychotherapy Time-based codes
  • Telehealth POS & modifiers
  • Clinicians Enrollment by type

Behavioral health checks

Reviewed before each claim

  • Session time supports the code 90832–90837
  • E/M and psychotherapy separately documented +90833/6/8
  • Telehealth place of service and modifier 02 / 10 · 95
  • Claim sent to the behavioral health payer Carve-out

Telehealth rules are checked payer by payer.

Quick answer

How is mental health billing different from medical billing?

Mental health billing relies on time-based psychotherapy codes, so session length must be documented and matched to the right code. It also involves several types of licensed clinicians with different payer enrollment rules, frequent telehealth billing, and health plans that route behavioral health claims and authorizations to a separate carve-out organization.

Key takeaways

  • Psychotherapy codes follow time ranges — 16–37, 38–52 and 53+ minutes.
  • With E/M, use a psychotherapy add-on code and keep the two services’ time separate.
  • Check whether the plan carves out behavioral health before submitting.

Behavioral health code families

Where Behavioral Health Revenue Is Won or Lost

The documentation and payer rules that matter most in mental health billing.

  • CPT 90832 · 90834 · 90837

    Individual psychotherapy

    Code chosen by documented session time; longer sessions supported by the clinical reason.

  • E/M + 90833 · 90836 · 90838

    E/M with psychotherapy

    Medication management and therapy in one visit, each separately documented.

  • CPT 90791 · 90792

    Diagnostic evaluations

    Initial evaluations with or without medical services, and payer limits on repeat evaluations.

  • CPT 90839 + 90840

    Crisis psychotherapy

    Urgent assessment and intervention, with time thresholds and no interactive complexity add-on.

  • CPT 90853 · 90785

    Group & interactive complexity

    Group sessions per patient, and the add-on for genuinely complicated communication.

  • POS 02 / 10 · modifiers 95, FQ, 93

    Telehealth

    Video and audio-only rules by payer, place of service and patient location.

How we work

The Behavioral Health Claim Path

From the session note to the posted payment.

  1. Step 1: Payer & benefits

    Carve-out payer, visit limits and authorization needs confirmed.

    Right payer ID

  2. Step 2: Note to code

    Session time, services and clinician type matched to the code.

    Time supported

  3. Step 3: Telehealth check

    Place of service and modifier set for the payer and patient location.

    Fewer POS denials

  4. Step 4: Posting & follow-up

    Payments checked per clinician type and contracted rate.

    Short pays caught

Psychotherapy is billed by time

Individual psychotherapy codes are chosen by the time spent face to face with the patient (and family, when present), and the note has to show that time. A session is reported with the code whose time range it falls into:

CodeServiceTime reported
90832Psychotherapy, 30 minutes16–37 minutes
90834Psychotherapy, 45 minutes38–52 minutes
90837Psychotherapy, 60 minutes53 minutes or more
90791 / 90792Diagnostic evaluation (without / with medical services)Not time-based
90839 + 90840Psychotherapy for crisis, first 60 minutes + each additional 3030–74 minutes for 90839
90853Group psychotherapyPer patient, per session

Some commercial plans limit how often 90837 is paid or ask for justification of 60-minute sessions, so the clinical reason for the longer session belongs in the note.

Psychiatric visits with psychotherapy

When a psychiatrist or prescribing clinician provides medication management and psychotherapy in the same visit, the E/M code is reported with a psychotherapy add-on (90833, 90836 or 90838). The two services must be separately identifiable, and the psychotherapy time cannot include the time spent on the E/M service. Interactive complexity (90785) can be added when communication factors genuinely complicate the session, but not with crisis codes.

Who can bill, and under which number

Behavioral health practices often combine psychiatrists, psychiatric nurse practitioners, psychologists, licensed clinical social workers, professional counselors and marriage and family therapists. Each payer sets which of these it credentials and at what rate. Medicare began enrolling marriage and family therapists and mental health counselors in 2024. “Incident to” billing has its own supervision rules and is not a substitute for credentialing each clinician — see credentialing services.

Telehealth

Much behavioral health care is delivered by video or, in some cases, audio only. Claims must carry the place of service the payer expects (02 or 10 for telehealth, depending on the patient’s location and payer policy) and the right modifier (95 for synchronous video; FQ or 93 where audio-only is allowed). Telehealth rules differ between Medicare, Medicaid programs and commercial plans and have changed often, so they are checked by payer rather than applied once.

Carve-outs, parity and authorizations

  • Behavioral health carve-outs: many health plans route mental health claims and authorizations to a separate managed behavioral health organization with its own payer ID. Claims sent to the medical plan are denied.
  • Authorizations are common for intensive outpatient, partial hospitalization, psychological testing and, with some plans, ongoing therapy beyond a set number of visits.
  • Parity: the Mental Health Parity and Addiction Equity Act requires many plans to apply limits no stricter than for medical care; unusual limits can be questioned with the plan.

Behavioral health questions

Behavioral Health Billing FAQs

How is psychotherapy time documented and coded?

Psychotherapy codes are chosen by face-to-face time with the patient: 16–37 minutes for 90832, 38–52 for 90834 and 53 or more for 90837. The note should record the actual time, ideally with start and stop times. When billed with an E/M service, psychotherapy time cannot include time spent on the E/M.

How are behavioral health telehealth visits billed?

The claim uses the place of service the payer requires — usually 02 or 10 depending on where the patient is — and a modifier showing the type of service, such as 95 for video, or FQ or 93 where audio-only care is allowed. Rules vary between Medicare, Medicaid and commercial plans and change often, so they are checked by payer.

What is a behavioral health carve-out?

Some health plans contract with a separate company to manage mental health and substance use benefits. Claims and authorizations for those services go to that company, often with its own payer ID and rules, rather than to the medical plan shown on the card. Sending a claim to the medical plan in that case leads to a denial.

Which behavioral health clinicians can bill insurance?

It depends on the payer and the state. Psychiatrists, psychiatric nurse practitioners, psychologists and licensed clinical social workers are widely covered; licensed professional counselors and marriage and family therapists are covered by many plans and, since 2024, by Medicare. Each clinician must be credentialed with each payer.

Behavioral health review

See Where Your Therapy Claims Are Being Denied

We review a sample of psychotherapy, E/M and telehealth claims for time, coding and payer issues.

Direct line: +1 (737) 332-2245

Request a Behavioral Health Billing Review

Practice details only — no patient information.

Confidential • No patient information • BAA before any data review