West Cary Psychiatry is currently accepting the following insurances:

> Blue Cross and Blue Shield  (including Blue Local/Blue Home)
​> Aetna
> Cigna
> United Health Care
> Humana (coming soon)
​> Medicare

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Health Insurances Basics

Looking for information about what your insurance is and what the terms really mean?
This reference document is from Centers for Medicare and Medicare Services
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INSURANCE INFORMATION

• It is the patient's responsibility to understand their plan benefits. These might include:
  • Deductible: Total dollar amount that must be paid by patient before insurance payments kick in (with very specific exceptions); usually renews annually
  • Copayment:  fixed amount due by patient to provider at time of service
  • Co-insurance: a percentage of the provider's allowable rate with a given insurance plan that is deemed patient responsibility
  • Prior authorization (PA) requirements: pre-approval for medication and other services
    • PA are typically initiated through the pharmacy and completed by WCP
    • PAs can also be separately initiated by patients through their insurance
    • If a PA is denied by insurance, both provider and patient can initiate separate appeals
  • Other type of benefit limitation for the services rendered.
• It is also your responsibility to verify that your provider is in network with your insurance and to set up coordination of benefits with insurance policies prior to being seen.
  • While WCP may be in network with an insurer, the plan itself may be out of network if it is part of that insurer's narrow network
  • Given the sheer number of insurance plans available for any carrier, WCP is unable to provide such information. Patients should contact their insurance individually
• Any information provided to West Cary Psychiatry or you by your insurance is not a guarantee of coverage.
  • WCP is contractually obligated to collect from a patient or guarantor what the insurance deems is the patient responsibility.
  • If you dispute the amount your insurance has deemed your responsibility, you must contact your insurance to contest this.
  • WCP billing staff is happy to assist in clarifying the information with you, but we have no say in actual plan benefits.
  • Any change in patient responsibility must be communicated to WCP from your insurance company in writing 
• Please provide West Cary Psychiatry with any new insurance information as soon as you receive it.
  • Copies of the front and back of your insurance card can be emailed to our HIPAA compliant email at [email protected]​
  • Patients may also update their demographics and upload DL and insurance cards via the patient portal.

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For out of network services, as of 01/01/2020:

• Initial Psychiatric Evaluation-$400 for 60 minute appointment
• Follow Up Appointments- $200 for first 30 minutes and $400 for 31-60 minutes
• Initial Testing Evaluation: $400 if a new patient, $200 for existing WCP patients
• ​Testing Follow up: $200 plus separate charges for any additional paperwork or services

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