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Many private practices no longer participate with managed health
care plans because of poor reimbursement and plan limitations. We
employ an insurance coordinator to assist with authorizing, procuring
and educating patients and families about the intricacies of medical
reimbursement. Insurance contracts often do not adequately cover
speech and language therapy and you should be prepared, and plan
for this reality. You need to know the limitations of the medical
coverage plan that your employer purchased.
Here
are some of the common limitations:
(Be sure to ask your employers Human Resources
department about these limitations prior to initiating services
and when considering enrollment.)
"Sixty consecutive days per condition per lifetime"
This means that if you or your child has a speech and language delay
due to a reason other than a birth defect that you have two months
of coverage from the first therapy visit
.period!
"Must be restorative in nature"
This clause can eliminate all early childhood speech and language
disorders, as much of what we do is to habilitate proper development.
"Must be medically necessary"
Each insurance company has a review board that determines what is
medically necessary and what is not. Often times if there is not
a known medical condition directly impacting the need for services
then they are denied.
Below
are insurance providers with whom we are under contract:
Accepted insurances:
(In Network):
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Cigna HMO POS EPO |
Blue Cross Blue Shield |
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Secure Horizons |
PacifiCare HMO POS |
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Aetna HMO PPO Elect Choice |
Cigna PPO |
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HMO Colorado |
Humana |
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USI Administration |
Medicaid |
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NECP |
PHCS PPO MD Plan |
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Principal Life |
The Guardian |
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Great West Life |
United Health Care |
(Out of Network Plans)
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AMS Health Plans |
US Life Care |
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Mutual of Omaha |
PHCS POS |
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Sloans Lake |
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(Updated 01-24-07)
We
realize that there are many alternatives in clinics in the Denver
metro area and we thank you for considering Darrel L. Teter, Ph.D.
and Associates Inc.
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