Billing & Payments
For private-pay services not being billed through insurance, the card on file in your account will be charged for the session amount (unless you choose to pay by cash), upon completion of an evaluation or therapy session. Our secure Electronic Medical Recording (EMR) service, Fusion, ensures your card information is kept safe and confidential.
For services being billed through insurance, you will receive an invoice for your portion of the bill after insurance processes the claim. The length of time for claims processing varies based on insurance company, but we will provide ongoing updates as needed throughout the process.
You can use a Health Savings Accounts (HSA) card to pay for speech-language therapy evaluations and sessions. An HSA is a type of savings account in which money is set aside pre-tax to be used for qualifying medical expenses. Because HSA funds are deposited in to your HSA account pre-tax, you get more “bang for your buck” in using HSA funds rather than cash or traditional credit/debit cards.
Insurance
Building Blocks Therapy Nook LLC is an in-network provider with many insurance companies. Please reach out to us via phone call or email to inquire about your specific insurance plan.
While we are in-network with many insurance plans, there are many cases in which billing services through insurance is not ideal or feasible. For example, many insurance plans have limits to the number of visits allowed, limits to the type of therapy allowed, or simply full exclusions for speech and language therapy services. Many individuals with high-deductible insurance plans find our private-pay rate to be more manageable than rates billed through their insurance plans, particularly for families who do not typically meet their deductible.
In cases where insurance has denied coverage, we are able to provide services at our private-pay rate. We find that providing private-pay services allows us more freedom to use our own clinical judgements to determine the best therapy plan for each client. Often when using insurance, therapy plans are directed by the insurance company more than the treating therapist, patient, and caregivers. Insurance companies often decide whether someone “qualifies” for therapy based on numbers alone rather than seeing the “whole picture”. When covering therapy sessions, insurance companies place guidelines on how often sessions occur and what is targeted in those sessions. For example, literacy services are often not covered by insurance. Working outside of the limits set by insurance companies allows us to ensure that the care we provide is the best fit for each patient and their families.
If we are not in-network with your insurance companies, we are able to provide a superbill, which is an itemized, detailed receipt of your therapy services. You can use this to submit to your insurance company personally to request reimbursement directly. We can provide you with a list of questions to ask your insurance company about this process for more information.
You will be given information to set up a Patient Portal with Fusion to access invoices, access patient records, access Superbills, and send secure messages to your therapy team.