Navigating the world of insurance can be a complicated venture, but we are here to help guide you through the process. Our center is in-network with numerous insurance carriers that may provide coverage for your child’s treatment. But it is always important to remember, even though your insurance may offer coverage for specific therapy services, it is not a guarantee of payment.

Below, are some key steps to assist you in understanding your insurance and the process associated with coverage. First determine whether we are in-network or out-of-network with your insurance carrier. A list of carriers we participate with is listed at the bottom of this page. Prior to initiating services, secure a prescription from your child’s primary care physician or medical specialist and call your insurance carrier to determine if therapy services are covered under your plan.

When seeking therapy benefits, some important questions to ask your insurance carrier are:

• Does my plan provide coverage for occupational, physical and speech therapy services? Is there coverage for applied behavior analysis? Be sure to acquire the proper benefits: either in-network or out-of-network as these benefits vary greatly.

• Does my plan follow a calendar year or a plan year? Some plans renew yearly on January 1, while others reinstate their benefits according to when your plan was acquired.

• Is there a visit limit set for each discipline covered? Is this visit limit for each individual therapy service, or are visits combined? Insurances may allow 30 visits per year for each individual therapy service, while others allow 30 visits combined for all disciplines.

• Does my insurance plan have any restrictions as to what diagnoses they will cover? Many plans do not allow coverage for developmental delays. If your child has a specific diagnosis, such as Autism, please provide that diagnosis to your insurance company to confirm its coverage specifically. Most plans only cover applied behavior analysis with a specific diagnosis of Autism.

• Is there an individual and family deductible on my plan and what is its amount?

• Is a visit copay required or a coinsurance and what are the specifics?

• Does my plan require prior authorization for services? If so, is this to be acquired by my child’s pediatrician, or is this to be acquired by the therapy provider?

It is vital to remember that your insurance plan and coverage specifics are between you and your insurer. It is a family’s responsibility to understand their own insurance policy and the coverage provided – including the specifics of your plan and your responsibilities. The Talcott Center for Child Development cannot ensure that your insurance carrier will pay for your services.

There are several methods of payment for services at our center:

In-Network Coverage

We will submit your child’s claims directly to your insurance carrier on your behalf.

Copayments are due at the time of service.

Deductibles and coinsurances will be billed directly to you once your claims are processed. Payment is due within 30 days of billing to avoid late fees and/or finance charges.

Should your claim be denied by your insurance carrier, you are ultimately responsible for coverage of services.

Out-of-Network Coverage

Families are required to pay for services at the time of rendering.

Monthly, you will be provided with a statement that includes all pertinent billing information regarding your child’s treatment.

You can then submit this statement to your insurance for the consideration of reimbursement.

Private Pay

We also offer self-pay options for families who do not have insurance coverage or who have been denied coverage by their insurance carrier. Please call our center directly to discuss private pay options with our team.

We currently participate with the following insurance carriers and services: