Cardinal Care Financial Policy

Your insurance is a contract between you, your insurance provider, and the insurance company. Cardinal Care Psychiatric Services is not a party to that contract. As medical care providers, our relationship is with you, not your insurance company. Not all services that we provide are covered by your insurance company. Some insurance companies arbitrarily select certain services they will not cover. While the filing of the insurance claims is a courtesy that we extend to patients, all charges are YOUR responsibility from the date the services are rendered.

Cardinal Care Psychiatric Services will file claims in an attempt to collect from your insurance company. It is your responsibility to understand your coverage and benefits, including pre-certifications, referral and authorization requirements. We will, however, assist you to ensure that all plan requirements are met. You will be ultimately responsible to pay the balances.

If your insurance coverage or your insurance carrier changes and you do not notify CCPS within 30 days of that change, you will be responsible to pay in full the amount for your service.

Payment for services, including co-payment and deductible amounts, is due at the time services are rendered unless payment arrangements have been approved in advance by our staff. Our failure to collect these amounts may be a violation of our contract with your insurance company and may result in civil and criminal penalties and/or expulsion from your insurance plan. In addition, your failure to pay the required co-amounts is a violation of your financial responsibility for coverage and we may report your refusal to pay these amounts to your employer and/or insurance company representative.

If your plan requires a referral from your primary care physician, we will try to obtain one for you but YOU are ultimately responsible for knowing if we have received a referral or not. If we do not receive a referral from your primary care physician, we will have to bill you for the visit.

We will try to obtain prior authorization for you but you are ultimately responsible for knowing if we have received such prior authorization or not. If your insurance company fails to pay us for our services due to failure to obtain prior authorization, we will have to bill for the visit.

We will receive automatic text/email links to view your statement for any outstanding balance. If your insurance carrier has not paid the claim within 30 days for the date of service, PLEASE contact your carrier and assist us in getting the claim paid.

We will try our best to assist you in any way possible with your bills. Any balance that is over 90 days may be transferred to an outside collections agency for credit reporting. A patient that has been placed in collections must pay any prior balance owed to the practice and the COLLECTIONS AGENCY FEE and any attorney fees in cash.

Ancillary services, which are all services not part of an initial assessment (including exchange of information with other clinicians) performed by the physician, psychologist, social worker, nurse practitioner, or therapist at CCPS that are provided during non-appointment times will be billed at the provider-specific hourly rate. Typically these services are not covered by insurance companies. By signing this document you agree to pay for ancillary services not covered by your insurance company AND acknowledge this policy is applicable to patients covered by all insurance plans accepted by Cardinal Care Psych to include Medicare/Medicaid plans, any and all other state or federally funded insurance plans as well as commercial or employer provided plans.

Effective Date: September 1, 2022