Insurance and Therapy Grants

Therapy Talk is in network with the following insurances:  

Commercial insurance:  BCBS, Cigna, Aetna, MedCost

NC Medicaid- Carolinas Complete Health, Healthy Blue, Wellcare, UHC- Community Health, Amerihealth Caritas, Partners Health Management in Cabarrus County 

We are NOT in the BCBS High Performance Network/HPN or Blue Local Plan.

As a courtesy to our families, Therapy Talk will bill in network insurance company directly per request.  We will get physician's orders for services prior to evaluation/ treatment as all insurances require them.  Families are responsible for understanding, monitoring and tracking their insurance benefits.  Families are also responsible for keeping Therapy Talk billing staff up to date on any changes to their plan or policy. Clients are responsible for co-payments, deductibles or any other charges not covered by their insurance at time of service.   Therapy evaluations range in cost from $200 -$350.  Treatment visits range from $66 -$300 per session. Final costs are determined by insurance plans and contracted rates. Families should reach out to their insurance company to determine the covered amount that they will be responsible for based upon their own coverage. If you need specifics on therapy costs, please email:  Office@TherapyTalk.org.

                                                         PLEASE NOTE:                              

We are NOT in network with any commercial United Healthcare insurance. We will not be able to bill insurance for UHC.  We will not accept ANY IN or OUT of Network UHC lines of insurance due to the difficulty and excessive amount of time it takes in dealing with commercial UHC plans and their coverage policies and procedures. 

Here's an infographic that shows how insurance works if you have a deductible, coinsurance or copay, and out of pocket limit.  

• What are my benefits for PT/ OT/ ST? 
• Do I have to meet a deductible? 
• How much of my deductible has already been met?
•  Once the deductible is met, what portion is my responsibility (co-insurance/co-payment)? 
• Does my plan require a referral from my primary care physician? 
• How many visits are allowed per calendar year? 
• Is prior authorization required? If yes, who do I need to contact? 
• Does my plan require pre-certification or medical review at any point while accessing therapy services?

1. Sahara’s Project https://saharasproject.com/ Assisting families with the cost of therapy services in the Charlotte-Mecklenburg Area.
2. United Healthcare Children’s Foundation https://www.uhccf.org. The UnitedHealthcare Children’s Foundation (UHCCF) is a 501(c)(3) charitable organization that provides medical grants to help children gain access to health-related services not covered, or not fully covered, by their family’s commercial health insurance plan.
3. Bee Mighty is a 501(c)3 non-profit that provides support and resources to local families before, during and after their Neonatal Intensive Care Unit (NICU) journey.    As part of our services, Bee Mighty offers two types of funding for NICU families in the greater Charlotte area. https://www.beemighty.org/application
4. The Children's Developmental Services Agency (CDSA) is a regional early intervention center for infants and toddlers (birth -3 years) with developmental disabilities or delays.  https://beearly.nc.gov/
5. The Orange Effect – Awards grants for speech therapy, and technology equipment - http://theorangeeffect.org/
6. Small Steps in Speech - small steps in speech assists children with speech and language disorders by funding supplemental therapies and treatment for individuals.  http://www.smallstepsinspeech.org/