What a Creyos Assessment Costs and Whether Insurance Pays

There is no single price for a Creyos assessment. Creyos licenses its platform to clinics and does not sell to patients, so the amount you pay depends on how a practice prices it, which billing codes it uses, and whether your insurance is involved. This page explains each of those pieces in plain English, gives a hedged market range, and says honestly what Willow & Stone has and has not confirmed. For what the assessment measures, see the complete Creyos guide.

What you are paying for

When a clinic charges for Creyos, it is usually charging for two things: access to the platform (clinics pay Creyos for it) and the clinician’s time to set up the assessment and interpret the results with you. Creyos itself is registered and listed with the FDA as a Class II, 510(k)-exempt computerized cognitive assessment aid; it is not FDA-cleared or approved and does not diagnose any condition. That matters for cost because many insurers treat computerized cognitive tasks differently from full psychological testing.

What other clinics charge

Creyos does not publish prices for clinics or patients. A small number of psychiatry and mental health practices that offer Creyos list a self-pay price on their websites. In October 2026, the prices we found on clinic sites in Texas, New Mexico and Colorado ranged from about $100 to $150 for a Creyos assessment, with one clinic listing a lower price for a retest. Several of those clinics said the assessment is not billed to insurance; one said it bills insurance.

Treat that range as a rough snapshot. Some clinics include the results review in the price and some charge a visit fee on top; some price the full battery and others a shorter protocol. When comparing, ask what is included, not only the headline number.

Willow & Stone: what is public and what is confirmed when you book

Two fees are public on our pricing page: the 90-minute first evaluation is $300, and follow-up visits are $150 (25–50 minutes).

The Creyos fee, and whether it is part of the $300 evaluation or charged separately, are confirmed when you book. We would rather tell you that plainly than publish a number that might change. Ask our team these questions before you schedule:

• Is there a separate charge for Creyos, and how much?
• Is the results review included, or is it a follow-up visit?
• If I use Texas insurance, will the assessment be billed to my plan or paid directly?
• If I repeat it later, is there a fee for the repeat?

Federal rules also help. Under the No Surprises Act, if you are not using insurance, providers usually must give you a good-faith estimate of the cost when you ask for one or schedule at least three business days ahead, and you may be able to dispute a bill that comes in at least $400 above the estimate.

The billing codes, in plain English

Insurers pay for coded services, not for "a Creyos test". These CPT codes are the ones clinicians may use for cognitive testing; descriptions follow the APA Services 2026 billing guide (CPT is owned by the AMA).

Two practical points come out of that table. First, when computer-generated results are part of a battery, the interpretation work is billed under the evaluation codes rather than 96146 alone, which is why the same assessment can generate very different bills at different clinics. Second, the questionnaire code 96127 and the testing codes are generally not stacked on the same day: Creyos’s own reimbursement material says screening codes should not be billed when testing is performed in the same session.

Why a code is not the same as coverage

It is common to read that a test "has a CPT code, so insurance covers it". A code only means there is a standard way to describe the service on a claim. Whether your plan pays depends on your benefits, whether the payer considers the service medically necessary for your situation, whether prior authorization is required, the clinician’s credentials and network status, and your deductible and coinsurance.

Cognitive testing is an area where payers differ a lot. Some cover psychological testing codes for specific diagnoses with prior authorization; some do not pay for automated tests at all; many limit which professionals may bill the evaluation codes. That is why we do not promise coverage, and why many clinics simply charge a flat self-pay fee.

If you want to check with your insurer yourself, ask: "Is CPT code [the code the practice gives you] covered for an outpatient visit with a psychiatric nurse practitioner, is prior authorization needed, and what would I owe?" Our guide to paying for a psychiatric evaluation walks through that call for the evaluation codes, and the same approach applies here.

Texas insurance versus direct-pay in other states

How you pay at Willow & Stone depends on where you are physically located during care.

• Texas patients: Willow & Stone accepts insurance for patients in Texas, and coverage depends on your plan. Whether your plan pays toward the Creyos assessment specifically is confirmed when you book; ask our team before the visit.
• New Mexico, Florida, Alaska, Arizona, Colorado and Washington: care is direct-pay. You can request a superbill — an itemized receipt with codes — to submit to your insurer for possible out-of-network reimbursement.

Superbills are not a guarantee; your plan decides whether it reimburses out-of-network services and how much. For the trade-offs between the two routes in general, see cash-pay versus insurance psychiatry. The same coverage logic applies to other add-on tests; our article on whether GeneSight is covered by insurance is a useful parallel.

Using an HSA or FSA

IRS Publication 502 defines medical expenses as "the costs of diagnosis, cure, mitigation, treatment, or prevention of disease", and says you can include amounts you pay for psychiatric care. IRS Publication 969 says that qualified medical expenses for a health savings account are those that would generally qualify for that medical expense deduction. Flexible spending arrangements follow the rules set by the plan.

A cognitive assessment ordered by a clinician as part of psychiatric care generally fits that description, but the IRS does not list Creyos by name and plan administrators can ask for documentation. Keep the receipt or superbill, and check with your HSA or FSA administrator if you are unsure.

Keeping the total cost reasonable

A few habits help patients avoid paying for testing that does not change anything:

• Have a clear question. Testing is most useful when it answers something specific, such as whether a memory complaint is measurable or how attention compares with peers.
• Ask whether the full battery is needed. Shorter protocols exist; the full 12-task set takes about 40 minutes.
• Avoid paying twice for interpretation. Ask whether the review is part of a visit you are already having.
• Be wary of frequent repeats. Scores are normed to first attempts, so practice gains are expected; repeating too soon can cost money without telling you much.

If you need formal neuropsychological testing — for school accommodations, a legal matter or disability — Creyos will not substitute for it, and paying for both may be unnecessary. Our comparison with neuropsychological testing can help you decide which you need.

Common Questions

Sources & Further Reading

• APA Services — 2026 Psychological and Neuropsychological Testing Billing and Coding Guide (PDF)
• Creyos — Reimbursement Quick Overview (PDF)
• Creyos — CPT code 96127 explained
• Creyos — ADHD assessment protocol (remote or in-clinic FAQ)
• IRS — Publication 502, Medical and Dental Expenses
• IRS — Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans
• CMS — Medical bill rights (No Surprises Act, good-faith estimates)
• eCFR — 21 CFR 882.1470, Computerized cognitive assessment aid

This article is general education, not a diagnosis or advice for your situation. Creyos results support, and never replace, a clinical evaluation; only a clinician who has evaluated you can diagnose a condition or recommend treatment. Do not start, stop, or change a medication without talking to the clinician who prescribes it.