Billing & Insurance
We're committed to making the financial side of your care as clear and straightforward as possible. Here you'll find information about insurance, fees, payment, and our billing policies.
Clients will also receive these policies through the TherapyNotes client portal during the intake process. We have included them here as a convenient resource for your reference.
If you have any questions, please don't hesitate to contact our office.
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Insurance
Cape Fear Psychological Services participates with a variety of insurance plans to make mental health care more accessible.
Please note: Insurance participation varies by provider. While our practice accepts many insurance plans, not every provider participates with every insurance network. We encourage you to verify that your provider is in network before scheduling your appointment.
Our providers may participate with the following insurance plans:
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Aetna
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Ambetter
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Blue Cross Blue Shield (including State Health Plan)
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Cigna
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Humana
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MedCost
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Medicaid with referral (Carolina Complete, HealthyBlue, UHC Community Plan, Trillium, Wellcare)
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Medicare & various Medicare Advantage plans
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TRICARE (with referral)
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UnitedHealthcare
2
Fees & Payment
Provider fees vary based on specialty and appointment type. Please contact our office for current rates.
Copays, deductibles, coinsurance, and self-pay balances are due at the time of service. We require a valid credit, debit, or HSA card to be securely maintained on file for payment of patient responsibility and outstanding balances.
Patients are responsible for verifying their insurance benefits, including coverage, deductibles, copays, and whether their provider is in network.
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Cancellation Policy
If you need to cancel or reschedule an appointment, please provide at least 24 business hours' notice.
Appointments cancelled with less than 24 business hours' notice or missed without notice may be subject to up to a $100 cancellation fee.
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Self Pay
Patients without insurance or those choosing not to use insurance are welcome. Payment is due at the time of service. Please contact our office if you have questions about self-pay rates.
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Good Faith Estimate for Self-Pay Patients
Under the No Surprises Act, patients who do not have insurance or who choose not to use their insurance have the right to receive a Good Faith Estimate explaining the expected cost of their health care services.
A Good Faith Estimate outlines the anticipated charges for non-emergency services, including psychotherapy and other scheduled behavioral health services.
You have the right to:
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Receive a Good Faith Estimate in writing at least one business day before your scheduled service.
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Request a Good Faith Estimate before scheduling a service.
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Dispute a bill if the charges are $400 or more above the amount listed on your Good Faith Estimate.
We encourage you to keep a copy of your Good Faith Estimate for your records.
For more information about your rights under the No Surprises Act, please visit the Centers for Medicare & Medicaid Services website at www.cms.gov/nosurprises.
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Questions?
If you have questions about insurance coverage, billing, or payment options, please contact our office before your appointment. Our administrative staff is happy to help you understand your financial responsibilities and verify provider participation whenever possible.
Insurance benefits and network participation are subject to change. Verification of benefits is not a guarantee of payment. Patients are responsible for charges not covered by their insurance plan.