Though families generally do not think of speech therapy when purchasing health insurance, talking is a necessary life function and, when disrupted, is life affecting. Many health insurance plans cover speech therapy. There are often limitations to the amount of coverage a member will receive, but in many cases the coverage is enough to provide for the needs of your child.
If you have concerns about your child's language development, a first step could be to contact a speech and language pathologist to learn more information. Therapy Toolbox offers complimentary speech and language screenings in both our Fredericksburg and Richmond offices to help families get the answers they are looking for in terms of their child's speech and langauage development. Our screenings do not need a referral and are scheduled within one week of the initial contact with our office. Another step could be to take your child to see their pediatrician to explain your concerns to your doctor. Pediatricians will often provide you with a "referral" to have your child evaluated by a speech-language therapist. The "referral" is a part of the paperwork process often required by the insurance company. Your doctor might be familiar with your insurance company and its typical requirements. If he/she is not aware of your health insurance benefits, call the member services department at your insurance company to have them relay to you what steps you need to take to receive a speech-language evaluation. It is also a good idea to check your insurance benefits booklet for yourself so that you're aware of the coverage. Not all insurance plans at the same insurance company provide for the same coverage.
Typically an insurance company will not deny the referral to the initial evaluation. After the evaluation, Therapy Toolbox will provide you with a report and treatment plan and we will also relay the evaluation and treatment plan to the insurance company and make recommendations for treatment, if needed.
Therapy Toolbox accepts insurance from:
- Tricare Standard
- Tricare Prime
- Anthem Blue Cross Blue Shield
- Federal Blue Cross Blue Shield