INSURANCE & BILLING

Insurance & Payment Information

We accept health insurance for speech-language therapy and occupational therapy services. Below is a list of the insurance plans we currently participate with:

Accepted Insurance Providers

Blue Cross Blue Shield
Harvard Pilgrim & United/Harvard Pilgrim Alliance
Health Plans Inc.
Tufts Health Plan
Mass General Brigham Health Plan
Cigna

We are NOT MassHealth providers.

Out-of-Network Coverage

If your insurance provider is not listed, you may still have out-of-network benefits for speech-language therapy services.
Please call the Member Services number on your insurance card to determine your coverage and reimbursement options.

Private Pay Option

You may also pay for services privately using:
- Check
- Credit Card
- Cash

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Insurance Coverage & Your Responsibility

Before Your Appointment

Call your insurance provider using the Member Services number on the back of your insurance card to check:

Your eligibility & benefits for outpatient speech therapy
Whether services are subject to a deductible, co-insurance, or co-payment
If you have an HMO plan, you must obtain a referral from your primary care physician before services begin

Important Notes on Insurance Coverage

Let’s Talk is not responsible for insurance claim denials. Clients are responsible for paying for services rendered if insurance does not cover them.
Network participation does NOT guarantee coverage. Some insurance plans only cover speech-language therapy or occupational therapy if it is deemed "medically necessary." Check with your insurance provider about their medical necessity guidelines.
If services are denied, you have the right to appeal the decision. The American Speech-Language-Hearing Association (ASHA) has published a guide on medical review guidelines, which you can use during the appeals process.

Find the document here

Changes to Your Insurance? Notify Us Immediately!

If your health insurance changes, prior authorization may be required before services can continue.
Submit a Change of Insurance Form to us as soon as possible.

Access the form here

Insurance & Billing Forms

Most forms will be emailed to you before your first visit. Below are some important forms that you can begin completing to get started!

Insurance Benefits Form - Complete this form prior to your first session. It is your responsibility to contact your health insurance company prior to the start of services, in order to understand the speech-language therapy and/or occupational therapy benefits for your plan.

Download the Insurance Form

Credit Card Authorization Form – Complete this form to authorize payment for any outstanding balances. All Let's Talk clients must have an updated Credit Card Authorization form on file.

Download the Credit Card Authorization Form

Questions? Need Assistance?

Call us at (508) 230-8181 or email [email protected]. We’re happy to help!