Fees and Insurance

The payment policy is fee-for service only.  Regretfully, I do not accept payment directly from insurance companies and therefore I am not on any managed care or preferred provider plans.

The full fee for your service is due at the time of your scheduled appointment, paid to Expressions in Motion.

However, my services are typically reimbursable and I will provide you with a statement at the end of each session that you may submit to your insurance to obtain out-of-network reimbursement.  The receipt will include a diagnostic code (that reflects the reason you are seeking therapy) and a billing code (that clarifies whether the service was for individual or group therapy).

You can contact your insurance company for more specific information about your out-of-network benefits and their procedure for submitting claims for reimbursement.

If you have a health savings plan, speech services can be paid from that fund.

Many insurance companies require a deductible and your payment for services can used to go towards your deductible. 

If your child receives any services through the county, you may check with them to see if in-home speech therapy is covered.

Receipts not submitted for insurance claims are tax deductible under medical expenses and you can find out more from the company that helps you prepare your taxes.

Questions for your Insurance Provider

To help you understand your insurance benefits with your primary and/or secondary insurance, call the 1-800 number located on the backside of your card to verify your benefits.  Record the name of the individual you speak with and their phone extension if possible. Here are some key questions to ask your insurance provider.

1.  Are speech therapy services covered under my child’s policy?
 
2.  Does the policy have a Habilitative and/or Rehabilitative benefit?
     Habilitative therapy is to address skill that he/she has never had.
     Rehabilitative therapy is to help your child regain skills he/she lost due to an accident or an injury.

3.  Does the plan limit the number of therapy visits in a calendar year?  If so,         
     how many?
 
4.  Is Expressions in Motion in network or out-of-network?  If out-of-network, what is the out-of-pocket     cost?  Do I submit the bill for reimbursement, or does the provider do that?  Do you send me a check or   do you pay the provider directly?

Insurance benefits can be a scary area to enter into, but it is your responsibility to review what is covered or not covered under each individual policy.