# Payments and Insurance - Link: https://myorchidwellness.com/payment-and-insurance/ - Published: 2026-03-29T13:25:28-05:00 - Author: Chelsea 👩🏾‍💻 Telehealth available in TX, NY, VA & DC, including **weekends & evening hours** at [telehealth.myorchidwellness.com](https://telehealth.myorchidwellness.com) [Home](https://myorchidwellness.com/)/Payments & Insurance Billing & Coverage  •  Carrollton, TX & Telehealth # Payments & Insurance:⏎ _Clear, Simple Billing_ Most commercial insurance and Medicare are accepted for in-person visits in Carrollton and qualifying Texas telehealth visits. Telehealth patients in New York, Virginia, and Washington, DC, and Texas patients whose plan we don’t accept, are seen on a self-pay basis with flexible payment options. [Book an Appointment](https://myorchidwellness.com/payment-and-insurance/#book) Insurance Accepted In-person TX visits and qualifying telehealth Self-Pay Available NY, VA, DC and out-of-network TX telehealth Cherry Payment Plans Monthly payments for eligible patients Not Sure About Your Plan? Text your insurance card to (469) 892-0194 Insurance Plans See which plans we accept Payment Methods Cherry, Zelle, Cash App & more Appointment Deposits How the $50 deposit works Make a Payment Pay your balance online now Understanding Your Coverage ## How Billing Works⏎ _at Orchid Wellness_ Your billing experience depends on where you are located and how you receive care. Here is a straightforward breakdown of what applies to you. Insurance Billed Directly ### Texas In-Person & Qualifying Telehealth * In-person visits at our Carrollton, TX clinic with accepted insurance * Qualifying telehealth visits for Texas patients whose plan we accept * You pay applicable copays, coinsurance, or deductible at time of service * We check your benefits about 24 hours before your visit * Lab orders may be billed separately to your plan * Text your card to (469) 892-0194 to confirm coverage before booking Self-Pay ### NY, VA, DC & Out-of-Network TX Telehealth * All telehealth visits in New York, Virginia, and Washington DC * Texas telehealth patients whose insurance is not accepted * Payment is due at the time of service * Superbill available upon request for out-of-network reimbursement * Cherry, Affirm, Zelle, Cash App, and all major cards accepted * [Access Membership](https://myorchidwellness.com/orchid-wellness-access/) available to make primary care costs predictable **Not sure which applies to you?** Text a photo of your insurance card to **(469) 892-0194** and we will confirm your coverage before you book. You can also email [info@myorchidwellness.com](https://myorchidwellness.com/payment-and-insurance/info@myorchidwellness.com). Accepted Insurance Plans ## Insurers We⏎ _Work With_ The following insurance plans are accepted for in-person visits at our Carrollton, TX clinic and for qualifying telehealth visits in Texas. Coverage varies by plan type. Always confirm your specific plan before your visit. ![Cigna logo](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/03/ Cigna.webp?w=800&ssl=1) Cigna Most Cigna plans accepted ![Aetna logo](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/03/ Aetna.webp?w=800&ssl=1) Aetna Most Aetna plans accepted ![Blue Cross Blue Shield logo](https://i0.wp.com/myorchidwellness.com/wp-content/ uploads/2025/03/blue-cross.webp?w=800&ssl=1) Blue Cross Blue Shield BCBS Texas and select plans ![Medicare logo](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/ 03/Medicare-Logo.webp?w=800&ssl=1) Medicare Medicare Part B accepted ![Tricare logo](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/03/ Tricare.webp?w=800&ssl=1) Tricare Military families welcome ![Multiplan PHCS logo](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/ 2025/03/Multiplan.webp?w=800&ssl=1) Multiplan / PHCS PHCS and Multiplan networks ![Sana Benefits logo](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/ 2025/03/sana-general-blog-image.webp?w=800&ssl=1) Sana Benefits Employer-sponsored Sana plans Curative Curative plans accepted Don’t See Yours? Text your card to (469) 892-0194 to verify **Unsure if we accept your specific plan?** Text a photo of your insurance card to **(469) 892-0194** and we will verify your benefits before you schedule. Plan acceptance varies by tier and network. [Text Us Your Card](https://myorchidwellness.com/payment-and-insurance/4698920194) Payment Methods ## Flexible Ways⏎ _to Pay_ For self-pay visits and out-of-network patients, we offer a wide range of payment options including patient financing, mobile payment, and all major cards. Cherry ### Cherry Payment Plans Split your care costs into monthly payments. Applying uses a soft credit check, with 0% APR options for eligible patients. Payment plans are offered through Cherry and are subject to approval. Rates range from 0% to 35.99% APR based on eligibility. Cherry is not the lender. [ ![Credit and Debit Cards](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/ 2025/03/CC.webp?w=800&ssl=1) ### Credit & Debit Cards All major credit and debit cards are accepted in the office and online. HSA and FSA cards are accepted for eligible healthcare services, including copays and deductibles. ![Affirm](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/03/Affirm. webp?w=800&ssl=1) ### Affirm Pay-over-time financing through Affirm, subject to approval. Available in the office for eligible services. Available In-Office ![Cash App](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/03/cashapp- 1.webp?w=800&ssl=1) ### Cash App Send payment directly via Cash App at $OrchidWellness. Fast and simple for any self- pay balance. ![Zelle](https://i0.wp.com/myorchidwellness.com/wp-content/uploads/2025/03/infozelle- 1.webp?w=800&ssl=1) ### Zelle Fast, fee-free bank-to-bank transfers through your own banking app. Contact us for our Zelle payment details. Ask Us for Details ### Cash Cash is accepted for all in-person visits at our Carrollton, TX clinic. Exact change is appreciated but not required. In-Office Only Appointment Deposits ## How the $50⏎ _deposit works_ Some appointments include a $50 deposit when you book. It holds your time with Chelsea, and it is never an extra fee on top of your care. Not every appointment has a deposit. New patient visits are about an hour, so a deposit helps us keep that time reserved for you. * **Applied to your care.** The deposit goes toward visit-related charges, such as copays, self-pay services, or supplements. * **Carries over.** Any amount you don’t use carries over to later visits until it is used. * **Refunded when there is nothing to apply it to.** We check your benefits about 24 hours before your visit. If there are no visit-related costs, you can ask for a refund. * **Refunded if you cancel early.** Cancel more than 24 hours before your appointment and your deposit is refunded. * **Late cancellations and no-shows.** If you cancel within 24 hours or miss your appointment, the deposit is kept as a late cancellation or no-show fee. Online Payment ## Make a⏎ _Payment Now_ Pay your balance securely online or via mobile. Choose the method that works best for you. Pay by Card Stripe secure checkout All major cards accepted Cash App $OrchidWellness Instant mobile payment Cherry Apply for a payment plan Subject to approval Questions Answered ## Billing _FAQ_ The fastest way is to text a photo of your insurance card to (469) 892-0194. We will confirm whether your specific plan is accepted before you book. Plan acceptance varies by network tier and employer group, so texting your card is the most reliable way to verify. Telehealth visits for patients in New York, Virginia, and Washington DC are self- pay. We do not bill insurance for out-of-state telehealth visits at this time. However, we can provide a detailed superbill after your visit that you may submit to your insurance carrier for potential out-of-network reimbursement. Many plans do cover out-of-network telehealth, so it is worth checking with your insurer. A superbill is an itemized receipt containing all the diagnosis codes, procedure codes, and provider information your insurance company needs to process a reimbursement claim. You submit it directly to your insurer yourself. To request a superbill after your visit, email info@myorchidwellness.com or ask at check-out. Reimbursement is not guaranteed and depends on your plan's out-of-network benefits. Checking your eligibility with Cherry uses a soft credit check, which does not affect your credit score. Apply at [pay.withcherry.com/orchid-wellness](https://pay.withcherry.com/orchid-wellness). Payment plans are offered through Cherry and are subject to approval. Rates range from 0% to 35.99% APR based on eligibility. Cherry is not the lender. Yes. HSA (Health Savings Account) and FSA (Flexible Spending Account) cards are accepted for eligible healthcare services at Orchid Wellness, including copays and deductibles. Most primary care, telehealth, and clinical services qualify. Cosmetic or aesthetic services may not be HSA or FSA eligible. Check with your plan administrator if you are unsure about a specific service. Lab fees are separate from visit fees. For insured patients, labs may be billed to your insurance plan directly by the lab. For self-pay patients, lab costs will be discussed with you before any orders are placed. Chelsea does not order testing without reviewing anticipated costs with you first. No. Only some appointments include the $50 deposit. If yours does, it is applied to your visit-related charges, carries over to later visits, and is refunded if you cancel more than 24 hours ahead. See [Appointment Deposits](https://myorchidwellness.com/payment-and-insurance/#deposits). Yes. The [Access Membership](https://myorchidwellness.com/orchid-wellness-access/) gives you monthly primary care visit credits and lab discounts, and our [Wellness & VIP Memberships](https://myorchidwellness.com/wellness-vip-memberships/) save you up to 30% on services. ## Ready to Schedule⏎ _Your Visit?_ Have insurance questions first? Text a photo of your card to (469) 892-0194 and we will confirm your coverage. Book your first available appointment at [app.myorchidwellness.com](https://app.myorchidwellness.com), or call or text [(469) 892-0194](https://myorchidwellness.com/payment-and-insurance/4698920194). Have your **legal first and last name, email, and phone number** ready. Book an appointment by state [Texas](https://www.optimantra.com/optimus/om/patientaccess/servicesallV2?pid=ZWRjbjgzRk1UUnRFMVZhZFVwakkwdz09&lid=NEtyNXJFcWwvWnEvYks5OXlSQzFOdz09) [New York](https://www.optimantra.com/optimus/patient/patientaccess/servicesall?pid=cjFCNFRrQmRlckNDNm5mUEh2eEFqUT09&lid=ZDVvU3VZNC9qVHVXcVAxRFp1b0lXZz09) [Virginia](https://www.optimantra.com/optimus/patient/patientaccess/servicesall?pid=UFZocmhtVWk0Rlp0a1pva01lci9vZz09&lid=eDVUNVNUcXFkODFXWTQ2ajAyK0RMUT09) [Washington, DC](https://www.optimantra.com/optimus/patient/patientaccess/servicesall?pid=WlNRUjU0VEIzcW95b0pKdnAxZ1BlQT09&lid=YWxUSlNNRlZZamxXUFFJeU4zNUZmQT09) Payment plans are offered through Cherry and are subject to approval. Rates range from 0% to 35.99% APR based on eligibility. Cherry is not the lender.