Many families have questions about the financial side of treatment and how insurance works. Over the years, we have partnered with a variety of insurance providers and developed a strong understanding of the process. Our goal is to make this part simple and transparent. We are always happy to verify your benefits and walk you through exactly what your plan covers before services begin.
In-Network Insurance Providers
We are currently in network with:
• Blue Cross Blue Shield
• Aetna
• Cigna
• Magellan
• CHAMPVA
Understanding Common Insurance Terms
(The specific amounts vary by plan. We will review your individual benefits with you.)
Deductible
This is the amount your family is responsible for before insurance begins contributing toward services. Once your deductible is met, your plan typically covers a significant portion of therapy.
Co‑pay
A fixed amount you pay for each therapy session (for example, $25–$30 per visit).
Co‑insurance
Instead of a flat co‑pay, some plans require a percentage of the total session cost (for example, 20%).
Out‑of‑Pocket Maximum
This is the most your family will pay for covered, in‑network services during a plan year. Once this limit is reached—through deductibles, co‑pays, and/or co‑insurance—your insurance typically covers 100% of covered services for the remainder of that calendar year.
Understanding your out‑of‑pocket maximum can be especially reassuring. Although families may have some cost-sharing at the beginning of services, there is a defined financial ceiling as part of the plan.
If you ever have questions about billing, coverage, or authorizations, our team is here to guide you step‑by‑step so you can focus on your child’s progress.
