How to Get Reimbursed for Speech Therapy
Many of our clients at The Speech & Language Center are able to get reimbursed for some or all of the costs of their speech therapy sessions. Please ask us to learn more! A little bit of leg work, can go a long way.
Many families hesitate to start private speech therapy because they assume insurance won’t help cover the cost when the practice doesn’t directly accept insurance. The good news? You may be able to get reimbursed for private speech therapy, even if your provider is “out-of-network.”
This guide walks you through exactly how reimbursement works—and how to find out if your insurance plan includes out-of-network speech therapy benefits.
Can Insurance Reimburse Private Speech Therapy?
Yes!—many insurance plans reimburse for out-of-network speech therapy services. This means:
You pay the speech therapy practice directly
You submit documentation (a superbill provided by the practice) to your insurance company
Your insurance reimburses you according to your insurance coverage plan
Coverage varies by plan, which is why it’s important to check your specific benefits.
Step 1: Call Your Insurance Company
When speaking with your insurance provider, ask these key questions:
Do I have out-of-network benefits for speech therapy?
What is my out-of-network deductible?
What percentage is reimbursed after the deductible?
Is there a limit on speech therapy visits per year?
Do I need prior authorization?
Which diagnosis codes are covered?
💡 Tip: Ask for a reference number for the call and write down the representative’s name.
Step 2: Attend Private Speech Therapy Sessions
At private speech therapy practices:
Payment is made at the time of service
Care is individualized and flexible
Treatment plans are based on clinical need—not insurance limits
In this model, treatment sessions are typically much longer and families are more involved
This allows for deeper progress, stronger relationships, and meaningful parent involvement.
Step 3: Request a Superbill
A speech therapy superbill is a detailed receipt you submit to insurance. It includes:
Provider name, credentials, and license number
Practice information
Dates of service
CPT (procedure) codes
Diagnosis codes
Amount paid
Most insurance companies require a superbill to process reimbursement.
Step 4: Submit Your Claim
Claims can typically be submitted:
Online through your insurance portal
Via mobile app
By mail
Processing times vary, but many families receive reimbursement within a few weeks.
Step 5: Receive Reimbursement
If your plan includes out-of-network benefits:
Reimbursement is sent directly to you
The amount depends on your plan’s allowed rate
Even partial reimbursement can make private speech therapy significantly more affordable.
Why Families Choose Private Speech Therapy
Families often choose private speech therapy because it offers:
Longer sessions and consistent scheduling
Highly experienced speech-language pathologists
Fewer restrictions on goals and treatment length
Strong parent coaching and collaboration
Care driven by the child—not insurance policies
Private therapy prioritizes quality, connection, and progress.
Need Help with Speech Therapy Reimbursement?
While we don’t bill insurance directly, we:
Provide detailed superbills
Help families understand the reimbursement process
Offer free phone consultations to talk through options
If you’re unsure whether private speech therapy is right for your family—or want help navigating insurance—we’re always here to help! You can contact us directly anytime!