Know Your Plan 

This is the smartest thing you can do! Having an insurance card does not mean everything will be paid for! Be a good consumer and research your insurance plan. Every plan is unique, and it is your responsibility to understand what coverage you have, but we are here to help you ask the right questions. Please ask a member of our staff if you would like one of us to join you on a phone call to your insurance provider.

If you are calling on your own, you may wish to ask the following: 

• Do I need prior authorization from a doctor for speech services? 
• Is there a limit to the number of speech therapy session I can receive in a year? 
• Is my specific diagnosis code/CPT code covered by my plan?
  • Our most commonly used CPT codes used are 92507 and 92523 & our most commonly used ICD-10 diagnosis codes are F80.2, F80.0, F81.0, and F84.0--our staff can confirm your diagnosis code being billed.

Patient Responsibilities

Each insurance policy has its particular parameters, but most coverage will involve at least one, if not all four of these patient responsibilities. Each of these are separate items and having responsibility for one does not eliminate responsibility for others 

• Deductible: The amount you pay for covered health care services before your insurance starts to pay. 
• Copay/Copayment: A fixed amount for a covered service, paid by a patient to the provider of service before receiving the service. The amount can vary by the type of service. 
• Coinsurance: The percentage of costs of covered health care service you pay (20% for example) after you’ve paid your deductible.  
• Non-covered service: 100% of the payment is the patient's responsibility.

Other Forms of Payment 

• Private Pay: Payment is due at the time of service or when you receive a statement from us. 
• Private Pay w/Non-Par Insurance Reimbursement: If you have an insurance that we do not par with, services must be privately paid for at the time of service. We can provide you with a statement of services. Patients and their families are then responsible for submitting that statement to their insurance for possible reimbursement.  

CHAT works hard to offer scholarships to families in need: 

• Click here for an application!