We are now in-network providers for the following health insurance plans:

• United Health Care
• Cigna
• Aetna
• BCBS

Prior to your scheduled evaluation, please contact your insurance company with the following questions:

1. Is speech therapy for children a covered benefit? If so, what are the diagnoses or conditions that they will cover? Remember, insurance companies generally do not cover diagnoses that they consider to be “developmental” in nature.
2. Is a “letter of medical necessity” required by your child’s physician?
3. Is pre-authorization by the pediatrician’s office necessary? If so, ask them to fax the authorization to us at: 832-934-0715
4. Have you met your deductible for the year, and if not, what is the amount you must meet before your insurance will cover the cost?
5. Do you have a co-payment, and if so, what is the amount?

***Be sure to document everything the claims representative tells you!

Charges for speech and language therapy are due and payable at the time that services are rendered. We accept cash, checks and all major credit cards.

You are responsible for payment of your bill, regardless of whether your insurance company denies the claim. 

As a convenience to you, we will be happy to file your insurance payable to the center.  We ask that you meet your deductible and pay co-payments after each therapy session. 

Appealing Insurance Claims
The company will usually tell you how many days you have to submit a written appeal; it is usually 60 days. Review your documentation when you spoke with the insurance representative on the phone. A speech progress report is also helpful. Many insurance companies will pay a claim if there is any evidence that the speech-language problem is possibly the result of a physical problem, such as recurrent ear infections or a mild hearing loss caused by fluid behind the eardrum. Does the child have evidence of a mild neurological problem such as dysarthria or dyspraxia; does the child have a chromosomal problem like Down syndrome; is there evidence of autism or Pervasive Developmental Disorder? Does the child come from a family where there is a history of stuttering? Has the child been treated frequently for upper respiratory problems or asthma? Your physician can be a good resource, especially in regards to providing documentation of any of the above problems. It might also be helpful to ask the physician to write a letter stating that speech language therapy is "medically necessary."

The majority of appeals for speech-language therapy (about 90% in our office) are reversed. So don't take "no" for an answer!

Fax your appeal as soon as all documentation is completed. If you choose to continue with treatment during the appeal process, full payment will be required at the time of service. You will get a prompt refund from Horizon Speech Center when your insurance pays us.