The cost of speech therapy depends on your insurance plan and benefits. Even when speech therapy is covered by insurance, families may still be responsible for:

• Copayments: a fixed amount you pay per visit (example: $25)

• Coinsurance: a percentage of the visit cost after your deductible is met

• Deductible: the amount you pay out of pocket each year before insurance begins covering eligible services

Out-of-pocket costs vary widely by plan. We will always do our best to help you understand your expected costs in advance.

If you have additional questions, you can always contact us by filling out this form or emailing us directly admin@beechstreetspeech.com

Yes, many insurance plans cover speech therapy. However, coverage varies based on your specific insurance plan and the diagnosis given to you / your child.

Benefits are determined by your insurance provider and may depend on:

• Medical necessity

• Your insurance plan benefits

• Whether services are considered medical vs. educational

If needed, we’ll help you request the necessary notes from pediatricians and referrals to maximize your care coverage.

That said, coverage is not guaranteed and depends on your individual insurance benefits.

Some insurance plans cover teletherapy (speech therapy delivered via telehealth), while others do not.

Teletherapy coverage varies based on your insurance plan, diagnosis, and state regulations.

If you are looking for teletherapy speech therapy in Oregon, we can help you determine whether your plan includes telehealth benefits.

To learn more you can either contact us by filling out this form or emailing us directly admin@beechstreetspeech.com

Medical necessity means speech therapy is needed to evaluate or treat a medical condition and improve functional communication and/or swallowing.

Insurance companies may require documentation such as an evaluation report, therapy goals, and progress notes to support medical necessity.

This is a common question we get from our speech therapy clients. Here’s the key difference between them:

• In-network providers have a contract with your insurance company, which typically results in lower out-of-pocket costs.

• Out-of-network providers may still be covered depending on your plan, but coverage is often lower and your cost is typically higher.

If you have additional questions, you can always contact us by filling out this form or emailing us directly admin@beechstreetspeech.com

If you give us your insurance ID information, we’ll verify insurance coverage before scheduling your first visit.

You will receive an email with detailed benefit information and expected costs. Our team will let you know what to do, what to pay, and what to expect.

If you’d like to contact your insurance company directly, speech therapy benefits are typically listed under Outpatient Rehabilitation.

To send us your insurance ID, please email us directly admin@beechstreetspeech.com

Some insurance plans require a physician referral or prescription for speech therapy, while others do not. If a referral is required, we’ll let you know and make sure it is in place before services begin.

Yes, even with a high deductible, billing insurance may still be beneficial. When services are billed to insurance:

• Your payments may count toward meeting your deductible

• Your insurance will track visits and diagnosis codes

• Coverage may begin later in the year once your deductible is met

We recommend contacting your insurance company to confirm how outpatient speech therapy applies to your deductible so you can make the best decision for your family.

If your insurance denies coverage, families may consider:

• Appealing the insurance decision

• Paying privately for speech therapy services

• Using FSA or HSA funds (if available)

Coverage decisions and appeal outcomes are determined solely by your insurance company.

As a courtesy, we will appeal most insurance denials on your behalf, and it is often helpful for the policyholder to call the insurance company directly as well.

To get help with an appeal, email us directly admin@beechstreetspeech.com