We are committed to providing our patients excellent care at an affordable price. We currently accept insurance from the following carriers:

- Blue Cross Blue Shield

- Aetna

- ChampVA

- Priority Health

- Blue Care Network

- Tricare

Payment Plans & Community Scholarships

We understand that intensive therapies like ABA, OT, and speech and language can be an extraordinary commitment of time and financial resources. To support our patients and their families, we offer monthly payment plan options. In addition, community organizations like Autism Support of West Shore and Family Hope Foundation offer limited scholarship opportunities to cover the out of pocket expenses associated with therapy costs.

To inquire about self-pay options for our services as well as community scholarship opportunities, please contact our front office at (616) 935-7606.

Common Insurance Terms

We know that dealing with insurance companies can be complicated! Although each insurance plan is different, there are some common terms that are important to understand.

Deductible: The “deductible” is the amount you pay for covered health care services in a plan year before your insurance plan starts to pay. If you have a $1,500 deductible, this means that you will pay for the first $1,500 of covered services. After you pay this amount, you usually pay only a co-payment or co-insurance for covered services. Your insurance company pays the rest. It is important to understand that, with intensive therapies like ABA, it is very likely that you will have to pay out your full deductible in a short period of time! Please contact your insurance company if you have questions about your deductible.

Out-of-Pocket Maximum: The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits. Once you reach your deductible, your insurance starts to help with the costs of services you’re eligible for. But once you reach your out-of-pocket maximum, your insurance pays the total cost for all covered services.

Co-Payment: A “Co-Payment” or “Co-Pay” is a fixed amount ($15, for example) you pay for a covered health care service after you've paid your deductible.

If your allowed cost for ABA is $100 and your Co-Pay is $15, you will be responsible for the following amounts:

  • If you have met your deductible, you will usually pay $15 per visit until you reach your Out-of-Pocket maximum.

  • If you have not met your deductible, you will pay the full $100 until your deductible ($1,500 for example) is met. After you reach $1,500 out of pocket, your cost will be $15 per visit until you reach your Out-of-Pocket Maximum.

Co-Pays can vary based on the services provided. Please check with your insurance plan to determine if you are responsible for a Co-Pay and what your Co-Pay might be.

Co-Insurance: “Co-Insurance” is another form of cost-sharing with your insurance. Co-Insurance is the percentage of costs of a covered service that you are responsible for paying. A common Co-Insurance rate is 80/20, meaning that after you pay your full deductible, your insurance will pay 80% of covered services, but you will be responsible for paying 20% of covered services.

Here is an example: Your Co-Insurance responsibility is 20%. If you meet your deductible of $1,500 and you have a service that costs $100 you will pay 20% or $20.00. Your insurance will pay 80% or $80.00 until you reach your Out of Pocket Maximum.

It is important to understand if you have a Co-Insurance obligation and what your maximum out-of-pocket expenses are. Please contact your insurance provider directly for this information.