Speech Therapy & Insurance: What You Need to Know About Reimbursement
Contacting your insurance company does not have to be a big daunting task. We can point you in the right direction to make sure you’re all set to use your benefits to the fullest for the services we provide.
How to Contact Your Insurance Company for Speech Therapy Reimbursement
Even if your provider doesn’t bill insurance directly—your benefits may still work for you!
At The Speech & Language Center, we understand that navigating insurance can feel overwhelming—especially when your provider (like us!) doesn’t bill insurance directly. But here’s the good news: many families can still get reimbursed for out-of-network speech therapy services. And we’re here to help guide you through the process.
Why We Don’t Bill Insurance Directly
We’re a small, therapist-run practice focused on individualized care. By staying out-of-network, we’re able to provide flexible, high-quality services tailored to each client’s unique needs—without jumping through insurance red tape or limiting your access to the care your child deserves.
That said, we highly recommend that families look into reimbursement options. You pay for those benefits—why not use them?
Step 1: Call Your Insurance Company
Start by calling the number on the back of your insurance card (usually listed as "Member Services" or "Benefits Inquiries"). Let them know you're seeking reimbursement for out-of-network speech-language therapy services.
Here are a few questions you can ask:
Do I have out-of-network benefits for speech therapy?
Is there a deductible I need to meet first?
What percentage of the cost will be reimbursed?
Are there any documentation requirements?
Are there limits on the number of sessions per year?
Do I need a referral or pre-authorization?
Tip: Take notes during the call—including the date, the representative's name, and a reference number for the call if they provide one.
Step 2: Ask What You’ll Need to Submit
Most insurance companies require something called a Superbill—a detailed invoice with all the necessary treatment codes and provider information. We’re happy to provide this for you! Just let us know.
You may also need:
A letter of medical necessity (which we can help you prepare)
A copy of your child’s evaluation or treatment plan
Step 3: Submit and Follow Up
Once you’ve gathered everything, submit your claim according to your insurance company’s instructions—either through an online portal or by mail. Keep a copy of all documents and follow up if you don’t hear back within a few weeks.
We’re Here to Help
You shouldn’t have to choose between quality care and using your benefits. While we don’t file claims for you, we do provide everything you need to pursue reimbursement—and we’re always happy to answer questions or point you in the right direction.
✨ Ready to get started? Contact us today—no waitlists!
Let’s get your loved one the support they deserve.