Fees & Insurance
Investing in your child's communication is one of the most impactful decisions you can make. We want to make that investment as accessible and stress-free as possible.
How We Work
ThinkSpeech is a private pay, out-of-network provider. This means we do not bill insurance directly — but that doesn't mean insurance can't help cover your costs.
Many families are surprised to discover that their insurance plan includes out-of-network benefits that can significantly reduce the cost of speech therapy. We are committed to helping you navigate this process as smoothly as possible.
For information about our session fees, please contact us directly at nidhi@thinkspeechtherapy.com or (703) 951-3068.
Understanding Your Out-of-Network Benefits
What are out-of-network benefits?
Out-of-network benefits are coverage provided by your insurance plan for healthcare services received from providers who are not part of your plan's network. Even if ThinkSpeech doesn't accept your insurance directly, your plan may still reimburse a significant portion of your session costs.
Many families with PPO plans find that their out-of-network benefits cover a meaningful percentage of therapy costs — sometimes reducing their out-of-pocket expense dramatically.
How do I find out if I have out-of-network benefits?
The easiest way is to use our free Thrizer benefits calculator — simply enter your insurance information and get an instant, detailed breakdown of your out-of-network benefits and estimated costs. No phone calls, no hold music, no surprises.
Making Out-of-Network Therapy More Accessible
ThinkSpeech partners with Thrizer, a platform designed to make out-of-network therapy simple and affordable for families.
Here's how Thrizer works:
Check your benefits instantly — enter your insurance information and get a real-time breakdown of your out-of-network benefits and estimated out-of-pocket costs
Pay only your copay — once your deductible is met, Thrizer allows you to pay just your estimated copay per session rather than the full fee upfront
No superbill hassles — Thrizer submits claims to your insurance automatically on your behalf
No reimbursement wait — instead of waiting 4-6 weeks for insurance to reimburse you, Thrizer handles it all so you can focus on therapy
Thrizer is available to all ThinkSpeech clients and takes just minutes to set up.
Payment Options
ThinkSpeech accepts the following forms of payment:
Credit and debit cards
HSA and FSA cards (Health Savings Account / Flexible Spending Account — speech therapy is an eligible expense!)
Thrizer (for out-of-network insurance claims)
Did you know?
Speech therapy is an HSA and FSA eligible expense. If you have a Health Savings Account or Flexible Spending Account through your employer, you can use those pre-tax dollars to pay for ThinkSpeech sessions — making therapy even more affordable.
Superbills
If you prefer to handle insurance reimbursement yourself, ThinkSpeech provides detailed superbills upon request. A superbill is an itemized receipt that includes all the information your insurance company needs to process an out-of-network reimbursement claim.
Simply submit your superbill to your insurance company and they will reimburse you directly according to your plan's out-of-network benefits.
Still Have Questions?
Navigating insurance and benefits can feel overwhelming — we get it. If you have any questions about fees, billing, or your out-of-network benefits, please don't hesitate to reach out. We're happy to help.
📧 nidhi@thinkspeechtherapy.com 📞 (703) 951-3068
Or book a free 15-minute consultation and we can discuss costs and next steps together.