Billing Frequently Asked Questions

How Can I Pay My Bill?

After each session you will be sent an invoice through Square. This invoice will come to you via email. You can choose to pay this invoice through the Square link that has been emailed to you or through our website: https://carolinacounselingservices.com/invoice-payments/

Should you have any difficulties with either of these options, our Billing Team is happy to help!

What is a Deductible?

A deductible is the amount your insurance requires you to pay out of pocket before they begin to provide payment for services. Deductibles renew annually and are determined by your specific insurance plan.

Each insurance determines the allowed amount per session depending on the type of session. You would be responsible for paying this amount until your deductible is met.

What is a Copay?

After meeting your deductible, some insurances require a copay. This is a set amount that you would owe for each session, your insurance would take care of the rest of the cost of your session.

What is Coinsurance?

A coinsurance is a lot like a copay. This is an amount your insurance holds you responsible for, however, it varies depending on the type of session. A coinsurance is a percentage of the cost of your session, the percentage is determined by your insurance policy.

What Happens If I Have More Than One Insurance?

When you have more than one insurance, a primary and secondary insurance, each plan will likely pay a portion of the amount owed per session.

Your primary insurer pays first – up to their coverage limits. This may leave you with an amount to pay, for example a deductible, copay, co-insurance etc.

Your secondary is likely to pick up and cover what your primary does not as long as you have met your deductible with that policy. 

Insurance decides which is primary and which is secondary. It is crucial that you disclose all policies you have and that the policies are coordinated (they know about each other). If not, you could end up with a large bill later on if the wrong policy is billed first. 

Call for further details specific to your plan!

Why Do I Have to Disclose If I Have More Than One Insurance?

ALL insurance plans must be disclosed at the time of services.

Primary insurances cannot be overridden. Withholding this information could result in denials, recoupments, and/or you being responsible for the cost of services.

Claims may be denied if the primary insurance is not billed first. Insurance will decide who is primary and who is secondary.

This makes it even more important to coordinate your insurances. If both policies are not aware of each other and coordinated both may deny coverage.

What Does “Out of Network” Mean and How is it Billed?

Out-of-network means that a provider and insurance company do not have an existing contract with one another. Your insurance company may refer to this as the provider not being “paneled” with them.

As a result, if you see an out-of-network provider, then your rate may be different than if you were to see an in-network provider.

Our team is able to verify your policy and provide details on what your costs would be for sessions. These rates may change after sessions are billed as many insurances do not provide specific coverage details until claims are processed.

CCS will bill your out of network claims and keep you updated if there are any changes or concerns.

I’m Owed a Refund, Now What?

Refunds are disbursed 30-45 days after you are contacted regarding your refund. It is important to respond to messages from Billing if you are alerted to having a refund. We will call you to confirm your contact information to ensure that you receive your refund.

You have the option of receiving a paper check or an eCheck. Paper checks will be mailed to you, this generally takes 3-7 days to arrive. An eCheck will be available much quicker and can be cashed right away.

How Can I Request My Records?

To request your records to be sent to another party or to request them for yourself a medical release of information must be completed.

This form can be found and completed on our website and submitted online.

Medical Release of Information

After this request is received records will be released in approximately 2-3 weeks. Records are released securely via electronic means only.

Doctor’s offices, please send Medical Records requests and referral update requests to the following fax number.

1-833-270-3376