Insurance and Funding
What insurances does CAC accept?
We are in network with Colorado Medicaid, UHC/Optum, Aetna, Anthem Blue Cross/Blue Shield, Friday Health, Kaiser and the SLS and DD COMP waivers. If we are not in your insurance network, it may still be possible to create a single case agreement with your insurance, which would apply toward your network deductible. Or, if you do not have existing coverage, we can help connect you to local resources where you can apply for coverage.
How much should I expect to pay to receive services?
Out of pocket costs are dependent on the insurance plan or funding source that you have. Please check with your insurance provider to ensure that they provide ABA benefits and to get information on co-pays, deductibles, and out-of-pocket maximums of your specific plan. CAC strives to make services accessible to everyone who could benefit and therefore devotes time and resources to figuring out how to link clients in need with a funding stream that can help.
How do I know if my insurance covers ABA therapy?
Many major medical plans now cover ABA therapy (subject to copays and deductibles as outlined in your specific insurance), but some do not. If you are unsure if your insurance covers ABA therapy, we are happy to do benefits check for you to see what your insurance will cover. If you have coverage, CAC will handle all the billing on your behalf and will only invoice for co-pays and deductibles as relevant to your plan. After filling out a “Request for Service” form on our website, our billing administrator will contact your insurance company on your behalf and inform you of coverage as soon as possible.
What do I do if my insurance does not cover ABA therapy?
If your insurance does not cover ABA benefits, CAC can help guide you to alternative funding streams that can help cover part or all the cost of therapy for your loved one. In Colorado, there are funding options through Medicaid, Colorado waiver programs and other insurance plans that may be an option for your loved one. We can help provide you with resources and guide you through application processes for these if an alternative form of funding is needed.
My child has Medicaid. What should I know about waivers and EPSDT?
Children who are enrolled in Health First Colorado Medicaid automatically have access to a benefit called EPSDT, which will fund Behavior Therapies and other therapies for a child without copays and deductibles. State Waiver programs (CES, SLS, DD, BI) cover many additional services and expenses that EPSDT does not and may be of benefit to your loved one. If you are eligible, your local Community Center Board (CCB) should be able to help you enroll in a waiver program appropriate for your loved one. Individuals covered by waiver programs are automatically enrolled in Medicaid and thus have access to the Behavior Therapy services as well, even if they have not signed up for Medicaid independently.
Does CAC take Care Credit?
We proudly accept the CareCredit credit card to help you finance your healthcare needs. Now you can pay online with CareCredit to help pay at the time of care, when you get a post-care bill, or up to 30 days before your appointment, quickly and securely. Special financing options are available.*
Don't have CareCredit? Apply here or learn more at www.carecredit.com today. *Subject to credit approval. Minimum monthly payments required. Promotional financing options are available on purchases of $200 or more. Standard Account Terms apply to purchases of less than $200. Promotional financing options available through Pay My Provider may differ from options available in-office. See www.carecredit.com for details.