Insurance & payment
Insurance & Payment Options
Understanding insurance can be confusing, and every plan is different. Our team will walk you through it. We’ll verify your insurance benefits for you, usually within two business days, and explain your coverage in plain language before your first visit.
Quick facts
- Benefits verified for you
- Insurance, Step Up, Act4Me or private pay
- No referral needed for private pay
- Good Faith Estimate for self-pay families
Plans we accept
Plans and payment options we accept
Coverage varies by plan; we’ll confirm what your plan includes for occupational therapy and speech therapy.
Humana Tricare
Accepted
Molina Healthcare CMS
Accepted
Aetna Commercial
Accepted
Blue Cross Blue Shield
Out of network · we’ll verify your out-of-network benefits
Private pay
Packages · individual services · payment plans · no referral needed
Using Step Up or Act4Me? Read our family guide to see how each program works and how to apply. Have questions after reading? Give us a call at 786-805-6454.
Other grants, like the UnitedHealthcare Children’s Foundation and Oracle Health Foundation, can also help. See our family guide.
Verifying benefits does not guarantee payment by your insurance plan. We’ll share everything we learn so you can make an informed decision.
Be prepared
What to have ready
Having these items ready helps us verify your benefits quickly:
- Your child’s insurance card (a photo of the front and back)
- A referral or prescription from your child’s doctor, if your plan requires one
- Previous evaluations or therapy reports, if available (for example, from school, early intervention, or another provider)
Not sure what your plan requires? Call us, and we’ll explain what to request from your child’s doctor.
Insurance or billing questions?
Call our main line
Every plan is different, so the quickest way to get answers is to call our main line. We’re happy to go over your child’s plan with you.
Phone: 786-805-6454
Email: info@yourtherapyhome.com
How it works
How the process usually works
We’ll verify your benefits and explain your coverage in plain language. Some plans also need a doctor’s referral or prior authorization first. See how getting started works →
Private pay
Paying privately
No insurance, your plan isn’t listed, or you prefer not to use insurance? Private pay is available.
- Affordable treatment packages
- Individual services
- Payment plans
No doctor’s referral is needed for private pay. Private-pay families do not need to wait for insurance approval. Once the evaluation is complete, therapy can be scheduled based on your child’s needs and appointment availability.
Good Faith Estimate
If you are uninsured or paying out of pocket, we provide a Good Faith Estimate of expected costs before services begin, as required by the federal No Surprises Act. Learn about your rights (CMS) →
Common questions
Insurance questions
Do you accept my insurance?
We accept Humana Tricare, Molina Healthcare CMS, and Aetna Commercial. We also see families with Blue Cross Blue Shield as an out-of-network provider. We also accept Step Up and Act4Me, and private pay is available.
How long does benefit verification take?
We’ll verify your insurance benefits for you, usually within two business days.
Does my plan cover both occupational therapy and speech therapy?
Coverage varies by plan; we’ll confirm what your plan includes.
I have Blue Cross Blue Shield. Can my child be seen?
We are out of network with Blue Cross Blue Shield. We’ll call to verify whether your child’s plan includes out-of-network benefits and let you know what we find.
Does my plan need prior authorization?
It depends on the plan. Some plans require prior authorization, and sometimes your child’s doctor submits it. Because every plan is different, we’ll explain what yours needs over the phone.
Do you accept Step Up or Act4Me?
Yes. Read our family guide to see how each program works and how to apply.
What if my plan isn’t listed?
Private pay is available, including treatment packages, individual services, and payment plans.
Can private-pay families start sooner?
Yes. Private-pay families do not need to wait for insurance approval. Once the evaluation is complete, therapy can be scheduled based on your child’s needs and appointment availability.
Do I need a referral?
Private-pay families do not need a referral. For insurance-covered services, a doctor’s referral or prescription may be required. We’ll help you understand what your plan needs.
Do you provide a Good Faith Estimate?
Yes. If you are uninsured or paying out of pocket, we provide a Good Faith Estimate of expected costs before services begin.
More questions? See our FAQ or call us.
Let us check your coverage
Every plan is different. Call us or send your child’s age and insurance plan name, and we’ll take it from there.