We believe cost should never be a barrier to finding your voice. Explore the insurance plans we accept and our flexible payment options below.
We are proud to be in-network with many of the most widely held insurance providers in the Florida Panhandle region.
In-network provider for most BCBS PPO and HMO plans, including Blue Options and BlueSelect.
Accepted for individual, family, and employer-sponsored Aetna plans, including Aetna Better Health.
In-network for Cigna PPO, Open Access Plus, and Cigna HealthSpring Medicare Advantage plans.
Accepted for UHC commercial plans, UHC Community Plan, and UnitedHealthcare Medicare & Retirement.
Proud to serve military families. Accepted for Tricare Prime, Select, and Tricare for Life plans.
In-network for Humana PPO, HMO, Medicare Advantage, and employer-sponsored Humana plans.
Accepted for Florida Medicaid managed care plans, including Staywell, Sunshine Health, and Simply Healthcare.
Accepted for all four KidCare programs: MediKids, Healthy Kids, Children's Medical Services, and Medicaid.
Insurance benefits can vary widely — even between plans from the same provider. Before your first appointment, we strongly recommend calling the member services number on the back of your insurance card to confirm your speech therapy benefits, including any applicable copays, coinsurance, deductibles, and visit limits.
Our team is also happy to help! Call us at (850) 555-1234 or email hello@coastalspeechco.com, and we'll verify your benefits on your behalf at no charge. We want the financial side of therapy to feel as stress-free as possible.
Don't see your insurance listed? You may still have coverage through your out-of-network benefits.
If your insurance plan is not listed above, we can provide you with a superbill — a detailed, itemized receipt that contains all the diagnostic and procedural codes your insurance company needs to process a claim. You pay our standard session rate at the time of service, then submit the superbill directly to your insurer for reimbursement.
Many out-of-network plans reimburse between 50% and 80% of the allowed amount for speech therapy services. The exact percentage depends on your specific plan's out-of-network benefits, deductible, and coinsurance terms.
Need help navigating this process? We're always here to walk you through it.
While in-network coverage is convenient, many families and individuals choose to see an out-of-network provider because it offers:
We're committed to making high-quality speech therapy accessible, regardless of your insurance situation. Don't hesitate to reach out with questions — we'll always be transparent about costs.
Flexible, transparent pricing so you can focus on what matters most — progress.
For clients who prefer to pay out-of-pocket, we offer competitive private-pay rates. Individual sessions start at $150 for a 45-minute appointment. Evaluation sessions are billed separately. Ask about our package discounts when you prepay for 8 or more sessions.
We believe every person deserves access to quality speech therapy. A limited number of sliding-scale spots are available for qualifying families based on household income. Contact our office to learn more about eligibility and availability.
We accept all major credit and debit cards (Visa, Mastercard, Amex, Discover), HSA/FSA cards, cash, and check. Payment is collected at the time of service. We also offer convenient online payment through our client portal.
Have questions about billing or insurance? We've answered the most common ones below.
In most cases, a physician referral is not required to begin speech therapy in the state of Florida. However, some insurance plans — particularly HMO plans and Tricare — may require a referral or prior authorization before services are covered. We recommend checking with your insurance provider before your first visit, or simply give us a call and we'll help you find out.
Our private-pay rate for a standard 45-minute therapy session is $150. Initial evaluations, which are more comprehensive and typically last 60–90 minutes, range from $250 to $350 depending on the complexity of the assessment. We also offer multi-session packages at a discounted rate — ask our front desk for details.
Yes! Speech therapy is considered a qualified medical expense under most Health Savings Account (HSA) and Flexible Spending Account (FSA) plans. You can use your HSA or FSA debit card to pay for sessions directly at our office. We also provide the necessary documentation if you need to submit a claim for reimbursement from your HSA/FSA administrator.
Insurance denials, while frustrating, are not uncommon — and they are often overturned on appeal. If your claim is denied, we will work with you to understand the reason and, when appropriate, help you prepare an appeal. Common reasons for denial include lack of prior authorization, exceeding visit limits, or the insurer deeming services "not medically necessary." We routinely provide supporting documentation, including detailed progress reports and clinical justifications, to strengthen appeal cases.
We understand that therapy is an investment, and we never want finances to prevent someone from getting the help they need. We offer a limited number of sliding-scale spots based on household income and family size. Additionally, we can discuss payment plan arrangements for evaluation fees or session packages to help spread costs over time. Please contact our office directly to discuss your situation — all conversations are confidential.
Our team is here to help you navigate insurance, understand your benefits, and find a payment option that works for your family. Reach out today — we're happy to help.
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