I am occasionally asked whether I directly accept health insurance. The short answer is that I do not. This is a somewhat fraught issue for me in my practice, I do have to admit. After all, my family and I have health insurance and I fundamentally believe in increasing access to all who are in need of any service. However, the harsh reality is that currently, insurance coverage for speech therapy typically would deny coverage for any service that treats a disability that is “developmental” in nature. Often, insurance coverage for speech therapy requires medical necessity, or has resulted from a specific injury or illness, something that is increasingly difficult to establish and quite infrequently the reason for a speech or language challenge. Most speech pathologists, myself included, work with children whose challenges are indeed developmental in nature. So, even if I were to directly participate with the leading health insurance providers, most of the children I see wouldn’t even be able to use their insurance for what it is specifically I am treating. This blog post is dedicated to sharing more experiences with health insurance for speech therapy and helping you, the parent, find the best speech and language therapy option for your child.
Q: Will speech therapy be covered by my insurance?
That is an excellent question, but one without an easy answer. As consumers, we logically expect that our health plans should cover therapeutic services such as speech and language therapy. But this is not always the case. Our goal in this article is to help you find the best path to answering those important speech therapy insurance questions for your family.
The term “health insurance company” might be synonymous with “red tape,” but your child does not have to be caught in the crosshairs. Understand the common reasons why an insurance claim for speech therapy might be denied before you submit the paperwork. Thoroughly review your healthcare policy and then submit the claim with all of the required supporting documents. Even if your claim does get rejected, you can always file an appeal.