PAYMENT & INSURANCE
Be Brave Speech Therapy 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 HSA/FSA cards.
Your insurance company may cover some or all 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) will be provided to you. This will contain all the necessary information for you to submit to your own insurance company and seek reimbursement.
What are the benefits of paying out of pocket?
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.