Payer routing library

Where behavioral health
benefits actually live.

The insurance card tells you who covers the medical benefit. For behavioral health it is frequently wrong, and the claim is adjudicated by a company whose name is nowhere on it. This is our working map of who administers what, published.

Browse by payer → The five vendors

How to use this

Every verification is two lookups.

Not one. The habit of treating eligibility and benefits as a single question is what produces most preventable behavioral health denials, because the two answers live in different systems and only one of them governs the claim.

Confirm the member is active

On the medical carrier’s portal, for the date of service rather than for today. This tells you coverage exists and gives you the plan type. It does not tell you what a therapy session costs.

Find who administers the behavioral benefit

Look the plan family up below. Where the benefit is carved out, verify again with that administrator: cost share, network status for the rendering clinician, prior authorization, visit limits and telehealth.

When the two disagree, the behavioral vendor wins

They adjudicate the claim. The medical portal is accurate about medical coverage and unreliable about behavioral health, and a confident wrong answer from the medical side is the most expensive result of the whole process.

By payer family

Pick the name on the card.

Each page gives the routing table, what the medical check will wrongly tell you, the provider lines that actually reach a person, and what to have in front of you before you dial.

UnitedHealthcare

UnitedHealthcare & Optum

Provider Express for almost everything, with four exceptions.

Open the routing page →

Cigna & Evernorth

One carve-out, no exceptions, and a batch route most practices miss.

Open the routing page →

Aetna

No carve-out at all, which creates a different problem.

Open the routing page →

Blue Cross Blue Shield

The alpha prefix decides everything, not the logo.

Open the routing page →

Medicare

No carve-out, a state-specific portal, and the QMB rule.

Open the routing page →

Carve-out administrators

The carve-out vendors

Optum, Evernorth, Carelon, Magellan and Lucet, side by side.

Open the routing page →

The short version

Five vendors hold most of it.

Optum

The UnitedHealthcare family, through Provider Express.

Evernorth

Every Cigna plan, commercial and Medicare.

Carelon

Anthem members and a range of managed plans.

Lucet

Florida Blue, commercial and Medicare Advantage.

Magellan

Employer and public-sector behavioral plans.

Aetna

The exception. Keeps behavioral health in-house.

Verified 13 August 2026. This map is maintained from live verification work and is published as a reference, not as an authority. Carve-out arrangements change at renewal, self-funded employer groups set their own, portals get renamed and phone trees get rebuilt. Confirm against the member’s card and the portal on the date of service. Company and product names are the property of their respective owners and appear here for identification only, with no affiliation or endorsement implied. Nothing here is legal, billing or compliance advice.