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Financial Policy
F.A.Q.

Does CTS accept my insurance?

Children’s Therapy Solutions works with many insurance plans and is currently in-network with:

  • Aetna Better Health

  • Cook Children’s Health Plan (CCHP)

  • Wellpoint

  • BCBS

  • Aetna (Speech Therapy Only)

  • UHC (Speech Therapy and Occupational Therapy Only)

  • Tricare West

 

We are happy to verify your benefits, but coverage varies by plan. Families are responsible for understanding their specific benefits, including deductibles, copays, and authorization requirements.

 

Will I ever owe money if I have insurance?

Possibly. Even with insurance, families may be responsible for:

  • Copays or coinsurance

  • Deductibles

  • Services not covered by their plan

  • Services provided when coverage is inactive or unverified

 

Insurance does not always pay 100% of the cost, and payment responsibility is determined by your individual plan.

 

What if my insurance denies a claim or reprocesses it later?

If an insurance company denies or reprocesses a claim and determines a balance is owed, that balance becomes the family’s responsibility. If you have already paid and insurance later pays, your account will be credited or refunded.

 

Why do you require a card on file?

A card on file helps us:

  • Process patient responsibility amounts efficiently

  • Prevent interruptions in care

  • Reduce billing delays and paperwork

 

Even families with Medicaid may be asked to keep a card on file for non-covered services or insurance changes.

 

When are payments collected?

  • Payments are processed at the time of check-in based on your insurance’s estimated patient responsibility.

  • If a payment cannot be processed, your child’s next appointment cannot occur until payment is made.

 

What happens if my payment method declines?

  • If a payment fails, your child cannot be seen until payment is made.

  • If your child arrives for an appointment and payment has not been completed, the appointment will be cancelled and counted as a same-day cancellation.

  • If a payment method declines more than once in a calendar quarter, a $10 fee will be applied for each additional declined transaction.

 

What if my child has Medicaid?

  • CTS is in-network with select Medicaid plans (Aetna Better Health, Cook Children’s Health Plan, and Wellpoint).

  • Some Medicaid plans include a patient responsibility amount, which is due at the time of service.

  • If coverage becomes inactive or cannot be verified, you may be responsible for the cost of visits until coverage is confirmed.

 

What if a service isn’t covered by Medicaid?

If a service is not covered by your Medicaid plan, CTS is required to have a Private Pay Agreement signed before providing the service.

 

Families may also choose to receive services as private pay, even if Medicaid would normally cover them. In both cases, payment is required according to our private pay policies.

 

What happens if I don’t pay my balance?

  • Balances over 30 days may incur late fees.

  • Accounts that reach $200 or more may be placed on hold.

  • Continued nonpayment may result in removal from the schedule or referral to collections.

 

What if my insurance changes?

Families must notify CTS immediately of any insurance or plan changes. Failure to do so may result in financial responsibility for services already provided.

 

How long does insurance take to process claims?

Insurance processing can take 30–60 days or longer. Until claims are fully processed, estimated patient responsibility will continue to be collected.

 

What happens if I overpay?

If your insurance later pays and results in an overpayment:

  • The amount can be applied as a credit toward future services, or

  • Refunded upon request.

 

Who do I contact if I have questions?

Our billing team is happy to help clarify coverage, payments, or balances. We encourage families to reach out early with questions so we can work together to avoid surprises.​

To contact the billing team:

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