Insurance & Financial

Insurance Information

CAAC is a participating (in-network) provider with the following list of insurance plans. If you do not see your plan listed, please contact your health insurance provider. This list is updated periodically and is subject to change.

Also, note that your health plan may require you to obtain a referral from your primary care provider prior to being seen by our specialists.

Please contact your insurance plan to verify the following:

  • Benefits / Eligibility
  • Limitations / Pre-existing conditions
  • Referrals
  • Pre-authorization

Please be aware that your insurance plan may allow you to go out-of-network, however, a pre-authorization may be required.

Insurance We Accept

Aetna POS, PPO Friday Insurance
Anthem HMO CU Exclusive Prefix UCL (CU Extended or
High Deductible)
Banner Health Humana HMO, POS, PPO
Blue Cross Blue Shield – Anthem PPO,
Anthem Medicare Advantage (Prefix VAT), Blue Priority PPO,
HMO, HMO Select, Well Choice – Please see exceptions below as we do not accept all policies
Kaiser – through the PHCS Network ONLY
Blue Priority PPO: Prefixes XFH, XFM, XFX, plus PEA Medicaid (see exceptions below)
Bright Health, Bright Health Medicare Medicare
Champ VA PHCS/Multiplan
Cigna – Great West, Local Plus, POS, PPO, Global Health, Vantage Rocky Mountain Health Plan HMO, POS, PPO, Exchange / CNIC Health Solutions
Cofinity Tricare Select
Colorado Access – CHP Plus, CHP State Managed Care Tricare for Life
Denver Health Cofinity United Healthcare – HMO, POS, PPO / UMR
First Health/Coventry United Healthcare Core

Insurance We Accept By Referral Only

AARP Medicare Complete (SecureHorizons) Humana Medicare HMO
Aetna – HMO, Select Humana HMO Select
Anthem CU Exclusive C7E AND XRU
(only accepted in Fort Collins and Greeley locations-Dr. Kempe & Dr. James only)
Innovage HMO
Blue Cross Blue Shield Prefix – XFE Tricare Prime
Blue Cross Blue Shield – Blue Priority HMO:  XFA, XFD, XFI United Healthcare Navigate, Charter, Compass, NexusACO R
Cigna HMO, Connect, Surefit  

Insurance We Do Not Accept

Anthem Medicare Advantage MediBlue Dual Advantage (VAP) Kaiser – unless through the PHCS Network
Anthem Pathway HMO –
Medicaid – Denver Health
CHP Plus – KAISER Medicaid – Kaiser
Denver Health HMO / HighPointe Medicaid – Rocky Mountain
Humana HMO X Other Discounted Plans
(e.g. Medishare, Liberty Healthshare, OneShare)

Financial FAQs

1. What does my insurance cover?
Every insurance is different. We highly recommend that you contact your insurance company to see if you have deductible or co-insurances. For new patients we will ask for your insurance information over the phone so we may check your benefits. We will review this information when you come in for your visit.

2. What is the cost of a new patient visit?
Your new patient fee can vary depending on how much testing you have done at this appointment. The visit can range from $200. to $1,100. Again, this fee depends on how much testing is done.

3. Will I have a copay?
That information is located on your insurance card. It will say either the co-pay amount or it will say “Spec co-pay”. That is the amount that we will collect at every visit.

4. What is a deductible?
The amount that must be paid by the plan participant before the plan will pay certain expenses (subject to co-insurance).

5. What is a Co-insurance?
The percentage paid by the plan participates (usually after satisfying the deductible).

6. What if I don’t have insurance, do you accept self-pay patients?
If you do not have insurance or you chose not to utilize insurance, we do accept self-pay patients. We do offer self-pay patients a discounted rate if paid at the time of service.

6. What will happen at my first appointment?
See Your First Appointment Section

In accordance with Colorado State Statute 65, you can find our 15 most common services and their charges here.

Payment is expected at the time of service, as required by your insurance (i.e. co-pay, deductible). Because all insurance is different, your financial responsibility will vary depending on your plan. We recommend contacting your insurance company to see if you have a deductible or co-insurance