Child & Family Development Child & Family Development

Insurance & Billing

We’re happy to provide you with advice and recommendations for getting your insurance information organized. Please call the Client Accounts Team at 704-332-4834 ext 153 for assistance with insurance.

In-network plans

Please contact your insurance carrier to verify your benefit information. Please note that information provided during the verification is not a guarantee of coverage or payment. Often times there are limitations and exclusions to plan benefits. Coverage and payment is not determined until the claim is received and processed by your insurance carrier. Copays, deductibles and non-covered services are due at the time of service.

For Applied Behavior Analysis (ABA Therapy)

  • Aetna
  • Blue Cross Blue Shield of NC
  • Medcost

For Behavioral Health/ Psychology Services

  • Aetna
  • Blue Cross Blue Shield of NC
  • Healthgram
  • Medcost


For Occupational Therapy, Physical Therapy & Speech Therapy Services

  • Aetna
  • Blue Cross Blue Shield of NC
  • Cigna
  • Healthgram
  • Medcost
  • Medicaid
    • NC Direct
    • NC Health Choice
    • Healthy Blue NC
    • Carolina Complete Health NC
    • Wellcare NC
    • Amerihealth Caritas NC
  • United Healthcare

For Out-Of-Network

We file to most other insurance plans on an out-of-network basis. For out-of-network, we can assist families in exploring single case agreements for in-network status with their plan. We also offer some discounts for self-pay services.

For Educational Services

Private Pay only

Alternative Funding Sources

Therapy is an investment in your child’s future. We recognize that not everyone has access to insurance benefits and those that do are often left with some out of pocket cost. There are a number of organizations that may provide funding for children with disabilities. They cover a wide array of funding purposes such as therapy or equipment.  These organizations have certain grant/funding criteria so please be sure to check their websites for funding details. Alternative Funding Sources

Advance Care Credit Options

Advance Care provides simple and affordable patient financing options. Interest free periods of 6-18 months are available along with flexible terms, and low interest rates. They offer helpful customer service as well at 1-800-432-9470. You can also visit their website to learn more.

No Surprises Act - Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit or call Spooner’s Compliance Department at (480) 551-4954

Frequently asked questions

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