Insurance

 

Insurance & Billing Policy

At Speak To Me Kids, we believe that access to high-quality speech and language therapy should be as straightforward as possible. We are pleased to accept direct billing for a range of major insurance plans, while also offering full administrative support for clients utilizing out-of-network benefits.

In-Network Insurance Carriers

We are currently contracted as an in-network provider with the following health insurance payors:

  • Horizon Blue Cross Blue Shield

  • Aetna

  • United Healthcare

  • Tricare

For in-network clients, we bill your insurance directly for all covered services. You are responsible only for applicable copayments, coinsurance, or deductible amounts at the time of service.

Out-of-Network Billing & Courtesy Services

If we are not in-network with your specific insurance plan, you can still receive care at our practice. To make this process as seamless as possible, our office handles all out-of-network claims submission on your behalf as a courtesy.

  • Hassle-Free Filing: We prepare, code, and submit all secondary/out-of-network insurance claims, diagnosis codes (ICD-10), and treatment codes (CPT) directly to your insurer.

  • Direct Reimbursement: Depending on your plan's structure, reimbursement checks will either be sent directly to you from your insurance provider or applied toward your out-of-network deductible.

  • Documentation & Superbills: Should your insurance company require itemized invoices (superbills), pre-authorizations, or clinical progress reports for reimbursement, our team handles all paperwork to ensure you receive the maximum benefits allowed by your policy.

Note on Coverage Verification: Out-of-network reimbursement rates vary depending on your specific policy. We recommend calling the customer service number on the back of your insurance card prior to your first session to confirm your out-of-network speech therapy benefits. Our billing department is happy to assist you with any questions.