Insurance & Payments
Our Commitment
We Want to Make Care Accessible
Navigating insurance can be frustrating — we get it. Our goal is to make the financial side of your care as straightforward as possible, so you can focus on what actually matters: your health.
We accept a wide range of insurance plans, including Medicaid, Medicare Advantage, Tricare, and many commercial plans. We also offer clear self-pay rates for patients who prefer to pay out of pocket or whose plans are not currently accepted.
Before your first appointment, we recommend calling your insurance member services line to verify your mental health benefits, confirm our provider is in-network, and understand your copay or deductible. We are happy to help with any questions.
Tip: Ask your insurer specifically about "outpatient psychiatric" or "behavioral health" benefits.
Accepted Plans
Insurance We Accept
The following plans are currently accepted. This list is updated regularly — if your plan is not listed, please contact us before assuming it is not covered.
Texas:
More insurance plans coming soon!
New Mexico:
More insurance plans coming soon!
Don't see your plan? This list reflects our most commonly accepted plans but may not be fully exhaustive. Insurance networks change regularly. Please call your insurer or contact our office to confirm your coverage before your appointment. We will do our best to work with you.
Self-Pay Option
Paying Out of Pocket
Self-pay is always welcome at Optimum Psychiatric Care and Wellness. Some patients prefer the privacy and flexibility of paying directly, without involving insurance. Others may have high deductibles, out-of-network plans, or simply want to avoid prior authorizations.
Whatever your reason, we offer transparent, straightforward rates. Payment is due at the time of service. We do not offer sliding-scale fees at this time, but we are always happy to discuss your situation.
Accepted Payment Methods
Know Before You Go
Cancellation & Payment Policies
We ask that you review these policies before your first appointment. They exist to protect your time, our providers’ time, and the patients on our waiting list.
Cancellation & Rescheduling Policy
We understand that life happens — and we will always try to work with you. We simply ask for reasonable advance notice so we can offer your time to another patient in need.
- 48+ hours notice: No charge. Reschedule or cancel at no cost with at least 24 hours advance notice.
- Less than 24 hours: A $50 rescheduling fee will apply for late cancellations made within 24 hours of your scheduled appointment.
- No-show: Patients who do not attend and do not call in advance will be charged $100 for the missed appointment.
- Repeated no-shows may result in discharge from the practice. We care about your care — please keep us informed.
Refund Policy
We are committed to providing excellent care at every appointment. Please review our refund policy below.
- All payments are non-refundable once services have been rendered. This includes self-pay visits, copays, and any fees collected at time of service.
- Exceptions may be made at the provider's discretion for genuine emergencies or extraordinary circumstances. Please contact our office to discuss your situation.
- Questions about a specific charge? Contact our office and we will review it with you.
Common Questions
Insurance FAQ
How do I verify my insurance before my appointment?
Call the member services number on the back of your insurance card and ask specifically about your outpatient mental health or behavioral health benefits. Key questions to ask: Is Afoma Nwankwo, PMHNP-BC an in-network provider? What is my copay or coinsurance for outpatient psychiatric visits? Have I met my deductible? Is prior authorization required?
You can also contact our office and we will do our best to help you understand your benefits before your first visit. Just note that benefit verification is ultimately the patient’s responsibility and we cannot guarantee coverage.
What if my insurance isn't listed or isn't accepted?
If your insurance plan is not currently accepted, you have a few options. First, you can use our self-pay rates — $300 for an initial evaluation and $150 for follow-up visits — which many patients find reasonable, especially given the quality and scope of care provided.
Second, some patients with out-of-network benefits can submit a superbill (an itemized receipt) to their insurance for partial reimbursement. We can provide a superbill upon request. Contact your insurer to understand your out-of-network mental health benefits before booking.
Do you bill insurance directly?
Yes — for accepted in-network insurance plans, we bill your insurance directly. You are responsible for your copay or applicable cost-sharing (deductible, coinsurance) at the time of service. We will verify your benefits prior to your appointment whenever possible.
Please note that insurance coverage can change and benefit eligibility is ultimately between you and your insurance company. If your insurer denies a claim or applies unexpected cost-sharing, we will work with you to understand the situation, but the patient bears responsibility for amounts their insurance does not cover.
