What are specific questions to ask my insurance company about speech therapy coverage?

• Is speech therapy a covered benefit in my plan?
• Is there a medical necessity clause that states therapy is only covered following an accident, illness, injury, etc.?
• Are developmental delays excluded? Are there other diagnosis exclusions?
• Is therapy covered at various locations: clinic, home, school?
• What is my deductible? My OOP Max? My co-pay and co-insurance?
• Are there a limited number of visits?
• Am I required to complete a pre-authorization for services?

 If you are overwhelmed and confused with the insurance process, our billing team at SAGE Speech & Learning can help! We navigate the insurance companies for you, verify your benefits, help you understand your coverage, and submit insurance claims and follow up for you!