Insurance, rates and what your visit will cost

Call the member services number on the back of your card and ask these, in this order:

Do I have speech therapy benefits? Do I need approval or a referral from my primary care physician? Do I need pre-authorisation for services? What is my deductible, and has it been met? How many sessions per year does my plan cover? What is my coverage amount per therapy session?

Write down the answers and the name of the person you spoke to. If you need specific CPT codes to give them, call us — we are happy to provide them.

Under the No Surprises Act, health care providers must give patients who do not have insurance, or who are not using insurance, an estimate of the bill for medical items and services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services, including related costs such as medical tests, prescription drugs, equipment and facility fees.

Your provider must give you that estimate in writing at least one business day before your service. You can also ask any provider for one before you schedule.

If you receive a bill at least $400 more than your Good Faith Estimate, you can dispute it. Save a copy or a photo of your estimate. For more information visit www.cms.gov/nosurprises or call 800-985-3059.

Many people still use us, and many still get reimbursed.

We provide a superbill — an itemised receipt with the diagnosis and procedure codes your insurer needs — which you submit to your plan for possible reimbursement under your out-of-network benefits. Services may be covered in full or in part.

Before your appointment, check your out-of-network therapy benefits so you know what to expect.

Independent Physical Therapist Associates (IPTA) is a group of independent therapy companies that came together under one tax ID for billing, human resources and compliance, while each company keeps its own name, ownership and community identity as a division of IPTA.

The point of the arrangement is that private practices do not have to increase patients per hour, cut corners to save costs, or sell to a larger entity.

For you it means you can keep using your health insurance while seeing an IPTA division, rather than choosing between a larger health system where you may be one of several patients an hour, or going out of network for one-to-one care. Insight remains privately owned.

Yes. There is a $50 fee for a no-show or a late cancellation.

We keep a small caseload so that sessions are one-to-one and unhurried, which means an unused slot cannot be filled at short notice. Let us know as early as you can and there is no charge.

Yes to both.

Bills can be paid online through the PromptEMR payment portal. Medical records for visits after 1 April 2026 are requested through IPTA. Both links are on this page.

For records from before that date, call the office and we will sort it out.