PATIENT FINANCIAL POLICY
Effective Date: January 2026
Paragon is a Comprehensive Behavioral Health Safety Net Provider Organization.
At Paragon Behavioral Health Connections, we are committed to providing high-quality behavioral health care to all members of our community. As a Comprehensive Behavioral Health Safety Net Provider, our goal is to ensure that financial barriers do not prevent you from accessing the care you need.
Insurance and Billing
1) Medicaid Billing
- We are a Medicaid-approved provider and will bill Medicaid for all eligible services rendered.
- If you have Medicaid coverage, please provide us with your Medicaid information at the time of your visit. This ensures timely and accurate billing.
- If you have both commercial and medicaid insurance please provide both insurance cards and information so we can ensure accurate billing.
2) Medicaid Application Assistance
- If you are uninsured and may be eligible for Medicaid, our team will assist you in the application process. We are dedicated to helping clients navigate the enrollment process to secure the benefits they qualify for.
3) Commercial Health Insurance
- We are contracted with several health insurance companies. Please provide your health insurance information and insurance card at admission and notify us of any changes to ensure accurate billing. If you are concerned about co-pays and/or deductibles please contact our financial department to discuss eligibility for a sliding fee scale.
- Paragon will bill your commercial health plan for eligible services and negotiate a sliding scale agreement for families needing additional services such as care management and other in-home services that are often not covered by traditional health insurance plans.
- Paragon Behavioral Health Connections is not credentialed with all insurance providers. For a list of accepted insurance companies, please see below.
- While your commercial or private insurance policy may cover clinical services, (e.g. family, group, or individual therapy, medication management, and other psychiatric services, etc.), care management services might not be included. Care management services assist individuals in accessing necessary medical, social, and educational resources. Care management can be purchased as a monthly package or on a per-service basis. For more information on available services and packages, please reach out to our financial department.
4) Sliding Fee Program
- The sliding fee program is designed to provide free or discounted care to those who have no means, or limited means, to pay for their medical services (uninsured or underinsured).
- Paragon will offer a Sliding Fee Discount Program to all who are unable to pay for their services. Paragon will base program eligibility on a person’s ability to pay and will not discriminate on the basis of an individual’s race, color, sex, national origin, disability, religion, age, sexual orientation, or gender identity, ability to pay, or whether payment for those services would be made under Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP). The Federal Poverty Guidelines are used in creating and annually updating the sliding fee schedule to determine eligibility.
PROCEDURE: The following guidelines are to be followed in providing the Sliding Fee Discount Program.
- Notification: Paragon will notify clients of the Sliding Fee Discount Program by:
- Notification of the Sliding Fee Discount Program will be offered to each client upon admission.
- An explanation of our Sliding Fee Discount Program and the application form are available on Paragon’s website.
- Paragon places notification of the Sliding Fee Discount Program in the waiting area.
- Request for discount: Requests for information about discounted service and necessary forms may be made by clients, family members, social services staff or others who are aware of existing financial hardship. Information and forms can be obtained from staff and Paragon’s website.
- Administration: The Sliding Fee Discount Program procedure will be administered through the financial office manager or his/her designee. Information about the Sliding Fee Discount Program policy and procedure will be provided to clients. Staff will offer assistance for completion of the application. Dignity and confidentiality will be respected for all who seek and/or are provided health care services.
- Completion of Application: The client/responsible party must complete the Sliding Fee Discount Program application in its entirety. Staff will be available, as needed, to assist with applications. By signing the Sliding Fee Discount Program application, persons are confirming their income to Paragon as disclosed on the application form.
- Eligibility: Discounts will be based on income and family size only. We do not require clients to apply to Medicaid/ health insurance or do asset testing to qualify for the sliding fee discount program.
- Family is defined as: a group of two people or more (one of whom is the householder) related by birth, marriage, or adoption and residing together; all such people are considered as members of one family. Paragon will also accept non-related household members when calculating family size.
- Income includes: gross wages; salaries; tips; income from business and self employment; unemployment compensation; workers' compensation; Social Security; Supplemental Security Income; veterans' payments; survivor benefits; pension or retirement income; interest; dividends; royalties; income from rental properties, estates, and trusts; alimony. Non cash benefits (such as SNAP and housing subsidies) do not count.
- Income verification: Self-declaration of Income may be used. Clients may provide a signed statement of income.
- Discounts: Those with incomes at or below 100 percent of poverty will receive a full 100 percent discount for health care services. Those with incomes above 100 percent of poverty, but at or below 200 percent of poverty, will be charged a nominal fee according to the attached sliding fee schedule. The sliding fee schedule will be updated during the first quarter of every calendar year with the latest Federal Poverty Line Guidelines.
- Nominal Fee: Clients with incomes above 100 percent of poverty, but at or below 200 percent poverty will be charged a nominal fee according to the attached sliding fee schedule and based on their family size and income. However, clients will not be denied services due to an inability to pay. The nominal fee is not a threshold for receiving care, and thus is not a minimum fee or co-payment.
- Waiving of Charges: In certain situations, clients may not be able to pay the nominal or discount fee. Waiving of charges must be approved by a Paragon designee. Any waiving of charges should be documented in the client’s file along with an explanation.
- Applicant notification: The Sliding Fee Discount Program determination will be provided to the applicant(s) in writing, and will include the percentage of Sliding Fee Discount Program write off, or, if applicable, the reason for denial. If the application is approved for less than a 100 percent discount or denied, Paragon will work with the client and/or responsible party to establish payment arrangements. Applicants must notify Paragon if their financial situation changes significantly.
- Refusal to Pay: If a client verbally expresses an unwillingness to pay or vacates the premises without paying for services, the client will be contacted in writing regarding their payment obligations. If the client is not on the sliding fee schedule, a copy of the sliding fee discount program application will be sent with the notice. If the client does not make an effort to pay or fails to respond within 60 days, this constitutes refusal to pay. At this point in time, Paragon can explore options not limited to, but including offering the client a payment plan, waiving of charges, or referring the client to collections.
- Record keeping: Information related to Sliding Fee Discount Program decisions will be maintained and preserved in a centralized confidential file located in the office of the financial manager.
- Policy and procedure review: The Sliding Fee Schedule will be updated based on the current Federal Poverty Guidelines. Paragon will also review possible changes in policy and procedures and for examining institutional practices which may serve as barriers preventing eligible clients from having access to our community care provisions.
- Our sliding fee schedule is available to all patients regardless of race, color, national origin, sex, sexual orientation, gender identity, age, disability, religion, creed, political beliefs, marital status, veteran status, or ability to pay. We are committed to providing services to everyone in our community and will never deny care or alter the terms of our sliding fee discount based on any personal characteristic. All individuals are treated with dignity and respect, and eligibility for our sliding fee program is determined solely by household size and income.
Paragon Behavioral Health Connections Insurance Information
2026 Poverty Guidelines: 48 Contiguous States (all states except Alaska and Hawaii)
Dollars Per Year — Part 1 of 2 (50%–185% of the Federal Poverty Level)
| Household / Family Size | 50% | 75% | 100% | 125% | 130% | 133% | 135% | 138% | 150% | 175% | 180% | 185% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 7,980.00 | 11,970.00 | 15,960.00 | 19,950.00 | 20,748.00 | 21,226.80 | 21,546.00 | 22,024.80 | 23,940.00 | 27,930.00 | 28,728.00 | 29,526.00 |
| 2 | 10,820.00 | 16,230.00 | 21,640.00 | 27,050.00 | 28,132.00 | 28,781.20 | 29,214.00 | 29,863.20 | 32,460.00 | 37,870.00 | 38,952.00 | 40,034.00 |
| 3 | 13,660.00 | 20,490.00 | 27,320.00 | 34,150.00 | 35,516.00 | 36,335.60 | 36,882.00 | 37,701.60 | 40,980.00 | 47,810.00 | 49,176.00 | 50,542.00 |
| 4 | 16,500.00 | 24,750.00 | 33,000.00 | 41,250.00 | 42,900.00 | 43,890.00 | 44,550.00 | 45,540.00 | 49,500.00 | 57,750.00 | 59,400.00 | 61,050.00 |
| 5 | 19,340.00 | 29,010.00 | 38,680.00 | 48,350.00 | 50,284.00 | 51,444.40 | 52,218.00 | 53,378.40 | 58,020.00 | 67,690.00 | 69,624.00 | 71,558.00 |
| 6 | 22,180.00 | 33,270.00 | 44,360.00 | 55,450.00 | 57,668.00 | 58,998.80 | 59,886.00 | 61,216.80 | 66,540.00 | 77,630.00 | 79,848.00 | 82,066.00 |
| 7 | 25,020.00 | 37,530.00 | 50,040.00 | 62,550.00 | 65,052.00 | 66,553.20 | 67,554.00 | 69,055.20 | 75,060.00 | 87,570.00 | 90,072.00 | 92,574.00 |
| 8 | 27,860.00 | 41,790.00 | 55,720.00 | 69,650.00 | 72,436.00 | 74,107.60 | 75,222.00 | 76,893.60 | 83,580.00 | 97,510.00 | 100,296.00 | 103,082.00 |
| 9 | 30,700.00 | 46,050.00 | 61,400.00 | 76,750.00 | 79,820.00 | 81,662.00 | 82,890.00 | 84,732.00 | 92,100.00 | 107,450.00 | 110,520.00 | 113,590.00 |
| 10 | 33,540.00 | 50,310.00 | 67,080.00 | 83,850.00 | 87,204.00 | 89,216.40 | 90,558.00 | 92,570.40 | 100,620.00 | 117,390.00 | 120,744.00 | 124,098.00 |
| 11 | 36,380.00 | 54,570.00 | 72,760.00 | 90,950.00 | 94,588.00 | 96,770.80 | 98,226.00 | 100,408.80 | 109,140.00 | 127,330.00 | 130,968.00 | 134,606.00 |
| 12 | 39,220.00 | 58,830.00 | 78,440.00 | 98,050.00 | 101,972.00 | 104,325.20 | 105,894.00 | 108,247.20 | 117,660.00 | 137,270.00 | 141,192.00 | 145,114.00 |
| 13 | 42,060.00 | 63,090.00 | 84,120.00 | 105,150.00 | 109,356.00 | 111,879.60 | 113,562.00 | 116,085.60 | 126,180.00 | 147,210.00 | 151,416.00 | 155,622.00 |
| 14 | 44,900.00 | 67,350.00 | 89,800.00 | 112,250.00 | 116,740.00 | 119,434.00 | 121,230.00 | 123,924.00 | 134,700.00 | 157,150.00 | 161,640.00 | 166,130.00 |
Dollars Per Year — Part 2 of 2 (200%–700% of the Federal Poverty Level)
| Household / Family Size | 200% | 225% | 250% | 275% | 300% | 325% | 350% | 375% | 400% | 500% | 600% | 700% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 31,920.00 | 35,910.00 | 39,900.00 | 43,890.00 | 47,880.00 | 51,870.00 | 55,860.00 | 59,850.00 | 63,840.00 | 79,800.00 | 95,760.00 | 111,720.00 |
| 2 | 43,280.00 | 48,690.00 | 54,100.00 | 59,510.00 | 64,920.00 | 70,330.00 | 75,740.00 | 81,150.00 | 86,560.00 | 108,200.00 | 129,840.00 | 151,480.00 |
| 3 | 54,640.00 | 61,470.00 | 68,300.00 | 75,130.00 | 81,960.00 | 88,790.00 | 95,620.00 | 102,450.00 | 109,280.00 | 136,600.00 | 163,920.00 | 191,240.00 |
| 4 | 66,000.00 | 74,250.00 | 82,500.00 | 90,750.00 | 99,000.00 | 107,250.00 | 115,500.00 | 123,750.00 | 132,000.00 | 165,000.00 | 198,000.00 | 231,000.00 |
| 5 | 77,360.00 | 87,030.00 | 96,700.00 | 106,370.00 | 116,040.00 | 125,710.00 | 135,380.00 | 145,050.00 | 154,720.00 | 193,400.00 | 232,080.00 | 270,760.00 |
| 6 | 88,720.00 | 99,810.00 | 110,900.00 | 121,990.00 | 133,080.00 | 144,170.00 | 155,260.00 | 166,350.00 | 177,440.00 | 221,800.00 | 266,160.00 | 310,520.00 |
| 7 | 100,080.00 | 112,590.00 | 125,100.00 | 137,610.00 | 150,120.00 | 162,630.00 | 175,140.00 | 187,650.00 | 200,160.00 | 250,200.00 | 300,240.00 | 350,280.00 |
| 8 | 111,440.00 | 125,370.00 | 139,300.00 | 153,230.00 | 167,160.00 | 181,090.00 | 195,020.00 | 208,950.00 | 222,880.00 | 278,600.00 | 334,320.00 | 390,040.00 |
| 9 | 122,800.00 | 138,150.00 | 153,500.00 | 168,850.00 | 184,200.00 | 199,550.00 | 214,900.00 | 230,250.00 | 245,600.00 | 307,000.00 | 368,400.00 | 429,800.00 |
| 10 | 134,160.00 | 150,930.00 | 167,700.00 | 184,470.00 | 201,240.00 | 218,010.00 | 234,780.00 | 251,550.00 | 268,320.00 | 335,400.00 | 402,480.00 | 469,560.00 |
| 11 | 145,520.00 | 163,710.00 | 181,900.00 | 200,090.00 | 218,280.00 | 236,470.00 | 254,660.00 | 272,850.00 | 291,040.00 | 363,800.00 | 436,560.00 | 509,320.00 |
| 12 | 156,880.00 | 176,490.00 | 196,100.00 | 215,710.00 | 235,320.00 | 254,930.00 | 274,540.00 | 294,150.00 | 313,760.00 | 392,200.00 | 470,640.00 | 549,080.00 |
| 13 | 168,240.00 | 189,270.00 | 210,300.00 | 231,330.00 | 252,360.00 | 273,390.00 | 294,420.00 | 315,450.00 | 336,480.00 | 420,600.00 | 504,720.00 | 588,840.00 |
| 14 | 179,600.00 | 202,050.00 | 224,500.00 | 246,950.00 | 269,400.00 | 291,850.00 | 314,300.00 | 336,750.00 | 359,200.00 | 449,000.00 | 538,800.00 | 628,600.00 |
Each individual program—e.g., SNAP, Medicaid—determines how to round various multiples of the poverty guidelines, what income is to be included, and how the eligibility unit is defined. For more information about the poverty guidelines visit aspe.hhs.gov/poverty.
Source: U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation.
Thank you for choosing Paragon Behavioral Health Connections. This document outlines the insurance plans we accept, those in contracting, and our commitment to providing care to all clients regardless of coverage.
Insurance Currently Accepted (In-Network)
At Paragon Behavioral Health Connections, we are proud to accept the following insurance plans:
- Colorado Medicaid
- Colorado Access
- Denver Health Medicaid
- Colorado Community Health Alliance
- Northeast Health Partners
- Rocky Mountain Health Plans
- Colorado Access
- Colorado Medicare
- Commercial Insurance
- Aetna
- Anthem Blue Cross Blue Shield
- Kaiser HMO (La Junta/ Delta/ Summit)
- Kaiser PPO (Denver Metro)
- United Health Care Plans
- UMR
- UHC Optum
- CHP+
- Colorado Access CHP+
- Rocky Mountain Health Plans CHP+
Insurance in Process (Out of Network)
We are actively working to establish contracts with the following insurance companies. Please note that these may be considered out of network at this time:
- Cigna
- Humana
- Tricare
- Elevate/ Denver Health Plan
- Denver Health CHP+
- Kaiser HMO (Denver Metro)
- Kaiser PPO (La Junta/ Delta/ Summit)
- Kaiser CHP+
Our Commitment to Care
We are dedicated to ensuring that every client receives the behavioral health services they need. If you face challenges affording care, please speak with our team. We will work with you to coordinate care and identify financial assistance options that suit your situation.
Thank you for trusting Paragon Behavioral Health Connections with your behavioral health care needs. We look forward to partnering with you on your journey to improve wellness.
Contact Us
Paragon Behavioral Health Connections
11290 W Alameda Ave, Ste 160, Lakewood, CO 80226 • 303-691-6095 • www.paragonbhc.org