What is Speech Therapy? Speech Therapy is another term for Speech-Language Pathology. Speech-language pathologists (SLPs) work to prevent, assess, diagnose, and treat speech, language, social communication, cognitive-communication, and swallowing disorders in children and adults.

We are considered "out-of-network" by insurance companies

We are able to provide you with the necessary paperwork to submit to your insurance company in order to seek out-of-network reimbursement for your therapy services. 

Please contact your insurance company directly to understand your out-of-network coverage and benefits. 

There are important factors to consider when deciding whether to use insurance or pay for care out of pocket. We want to support you in making an informed decision.

Cost may be the first reason you are thinking of using insurance for therapy services, but we believe it is important for you to stay informed of all of the factors that go into this decision. Here are some things to consider when choosing whether to use your insurance or self-pay for therapy services.

• Diagnosis Required – Most most insurance companies require a diagnosis in order to pay for treatment. They may only authorize a certain amount of sessions or hours of therapy services based on this diagnosis.  A speech-language pathologist who is functioning ethically and in your best interest will not diagnose exclusively to utilize insurance. Additionally, there are some diagnoses that insurance companies will not cover if they do not deem the therapy services to be ‘medically necessary’. Paying out of pocket allows you to access services regardless of diagnosis status, and you have the power to determine if sessions are necessary.
• Session Duration– Insurance companies ultimately decide the number of therapy sessions you are able to receive, depending on your diagnosis and benefits package. The amount of coverage for therapy services is often further limited by having a set amount of coverage that is allotted to ALL therapies (e.g. PT, OT, ST) and not just a designated amount to be used for Speech Therapy. So, if you or your loved one are receiving more than one type of therapy, you may use up your coverage much quicker.  At the end of the set number of approved sessions, your case can be re-evaluated by your insurance to determine if therapy continues to be ‘medically necessary’.  Unfortunately, there is never a guarantee of receiving insurance approval to continue. Self-pay allows you to make the decision of continuing in speech therapy if you feel it is benefiting you or your loved one.
• Decreased Privacy – Information that is communicated to your insurance for reimbursement is part of your medical record. This includes any diagnosis you received, as well as any other information the insurance requested to determine coverage. When paying privately, you have increased control over where, when, and how your information is shared.

We understand the financial and personal commitment involved in receiving speech therapy services both with or without insurance, and we do not take the responsibility of your care lightly. 

If you have more questions as you are trying to choose between insurance versus private pay, or you would like to discuss our services, rates, and payment options, please give us a call at 915-257-5705.