Paying for Speech Therapy

Private pay means you pay directly for therapy services rather than billing insurance. This gives you immediate access to care without waitlists or authorization delays. At Articulink, sessions range from $65-75 per credit with our session packs, with no hidden fees or surprise bills.

We chose private pay to eliminate the barriers insurance creates: months-long waitlists for authorization, session limits that interrupt progress, and treatment decisions made by insurance companies instead of therapists. Private pay lets us focus entirely on your child's needs.

Yes! We provide superbills (detailed receipts) after each session that you can submit to your insurance for potential out-of-network reimbursement. Depending on your plan, you may get part of each session's cost back. Contact your insurance to ask about out-of-network speech therapy benefits.

A superbill is a detailed receipt containing all the information your insurance needs to process an out-of-network claim: diagnosis codes, procedure codes, dates of service, and provider credentials. We generate these automatically after each session for you to submit.

Yes. Speech therapy received as medical treatment is an eligible expense for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), so you can pay with pre-tax dollars. That saves you roughly your income tax rate on each session. Some plans ask for a letter of medical necessity.

Sources: IRS Pub. 502, IRS Pub. 969

Call the member services number on your insurance card and ask: (1) Do I have out-of-network benefits for speech therapy? (2) What is my out-of-network deductible? (3) What percentage do you reimburse after deductible? (4) Is there a maximum number of sessions covered?

Often not, when you factor in the true costs of insurance-based therapy: high deductibles, copays, denied claims, limited sessions, and the cost of waiting months to start. Our cost calculator can help you compare the real costs for your situation.

We offer session packs that provide savings: 4-packs at $70/credit (save $20) and 8-packs at $65/credit (save $80). Credits never expire and can be used flexibly based on your child's needs.