Frequently Asked Questions
Many patients have questions about the cost of treatment, what insurance will cover, deductibles and copays. The billing staff at Carolina Psychological Health Services can answer those questions for you. All insurance companies determine their rates, what they will pay and what your financial responsibility will be depending on your individual insurance plan. Our staff will contact your insurance company to find the answers to these questions and provide you the estimated cost of treatment and what your financial responsibility will be prior to you first visit.
Please note that in some instances current information may not be available and that your written policy will supersede any information we may obtain from contacting a representative. Insurance rates, as well as policies, usually change yearly but there may be circumstances that make them occur more frequently. Our billing staff will assist you in understanding any changes that have affected your policy and/or financial responsibility.
Copays and deductibles are due and payable at the time services are rendered. Acceptable methods of payment include cash, check, debit card, money order and credit card. If you have any questions regarding your charges, insurance payments, deductibles or copayments please contact any member of our billing department. They will be happy to assist you.
Will my insurance cover the cost of therapy?
We will work closely with your insurance; however, some insurances have out-of-pocket deductibles, coinsurance, and copays. We encourage you to contact your insurance first to understand what is and is not covered. If you have questions after speaking with your insurance, please call our Billing Department.
What are in-network and out-of-network?
We accept most insurances. We do not accept Medicaid. We will file all insurances, even if they are out of network. Carolina Psychological Health Services is in-network with:
- Blue Cross Blue Shield *Please note: Some BCBS plans have their mental health (also called behavioral health) benefits administered by a different company which may be Out of Network
- United Health
- VA Community Care
What are a deductible and coinsurance?
Some insurances have a deductible amount that you must pay first before insurance begins to pay for your services. It’s similar to a deductible on a car or home insurance plan. Let’s say your deductible is $1000. You will have to pay for each visit up until you reach the $1000, then at that point, depending on your insurance plan, you may have to pay a coinsurance which is a percentage of the allowed charge. Deductibles reset annually depending on your policy year. Not all insurance policies are based on a calendar year. Please be aware of when your policy year is supposed to reset.
If I have a deductible, what is the purpose of using insurance?
Insurances have what is called an “allowable rate.” Each time we file with your insurance, you contribute towards your deductible. Once you have met your yearly deductible, your insurance will cover a percentage of the allowable charges which will reduce the amount of your payment to just your coinsurance amount.
What is out of pocket maximum?
Some insurances have an “out of pocket (OOP) maximum,” which is the maximum you have to pay before insurance covers 100%. Not all insurances have an OOP.