PAYMENT & INSURANCE

Be Brave Speech Therapy (BBST) is an out-of-network provider for all insurance companies. At this time, it is a private pay practice only. Payment is always due at the time of service. We currently accept the following forms of payment: cash, check, credit, debit, and Health Savings Account (HSA)/Flexible Spending Account (FSA) cards.

Concerned about private pay? The following are some things to think about:

  • Does your insurance plan include out of network benefits? If so, your insurance company may cover a portion of the services. You will first have to call your insurance company and ask if you are eligible for an out-of-network speech/language evaluation and/or therapy reimbursement. If yes, a SUPERBILL (detailed receipt with certain codes) will be provided to you. This will contain all the necessary information for you to submit to your own insurance company and seek reimbursement. Click here if you'd like to access a handy how-to guide with questions you would need to ask your insurance company! 

  • Do you have an HSA or FSA that you could use to pay for speech/language services?

  • Do you have a co-pay? Compare that to our session rate. Keep in mind, many insurances' copay is equal to and/or sometimes more than the therapy cost of a typical session at BBST. 

  • What is your yearly deductive? Some insurance plans might have a very high deductible that might not be met if you went through insurance. Usually simple articulation clients that only have difficulties with a few sounds don't need $5,000/year in therapy and won't hit their deductible anyways. 

What are the benefits of private pay?

  • You as a parent get to decide the therapist that is best suited for your child's needs rather than an insurance company telling you who to see

  • Flexible scheduling and availability (especially those after school-hours for older children)

  • No insurance = less documentation which means more quality time to focus on your child's therapy using evidence-based treatment 

  • More services are allowed without restrictions (i.e., teletherapy)

  • No referral from a doctor is needed which means therapy can start right away

  • No cap on amount of sessions or the duration of each session length - as a parent YOU get to choose

  • You can stay with your child's therapist even if your insurance plan coverage changes

GOOD FAITH ESTIMATES

Beginning January 1, 2022, if you're uninsured or if you opt to self-pay (i.e., not going through your health insurance), health care providers must provide you with an estimate of expected charges before you get an item or service. This is called a good faith estimate (GFE). 

 

Providers and facilities must provide you with a GFE if you request one or after you've scheduled a service. It should include the expected charges for all items or services that are provided as part of the same scheduled experience. The provider must provide a list of all items and services associated with your care. 

For more information, please visit the Centers for Medicare and Medicaid Services (CMS) website at www.cms.gov/nosurprises.