Payment & Insurance

The world of insurance has become so complicated! Our goal is to help you understand the payment process and navigate this aspect of your child's services.

Insurance plans vary. Before scheduling your child’s first visit, it’s important to confirm your coverage details with your health insurance provider. Insurance plans are agreements between you and your insurer, and the Center for Pediatric Therapy cannot guarantee coverage for your child’s services. It is your responsibility to understand your plan’s coverage and meet any specific requirements outlined by your insurer.

Here are some key questions to ask your insurance carrier:

Does my plan cover occupational, physical, and/or speech therapy for my child?
What is the visit limit for therapy services under my plan?
If multiple therapies are needed, will my child receive the same number of visits for each one?
Are there any exclusions or limitations to therapy coverage? (For example, some plans may not cover services for children diagnosed with developmental delay.)
What are my co-payment, co-insurance, and deductible responsibilities?

Your insurance carrier can provide specific details regarding your coverage and any financial responsibilities.

Payment Options:

In-Network Insurance Coverage
The Center for Pediatric Therapy is an in-network provider with the following insurance carriers:

Aetna

Blue Cross/Blue Shield

United Healthcare

Oxford

CIGNA for occupational therapy only

We recommend that you contact your insurance company’s Member Services line to confirm your child’s coverage for the services at CPT. If you are enrolled in a managed care plan (HMO or PPO), you may need to obtain a referral from your primary care physician prior to your first visit.

As a courtesy, we will verify your benefits with your insurance carrier and review the details with you at your first visit.

We will submit claims to your insurance carrier on a daily basis for your child’s therapy visit.

After your insurance processes the claim, you may owe a deductible or a co-insurance. If you have a copay, that amount will be due at the time of each visit.

Please remember to bring your insurance card to your visit.
Out-of-Network Insurance Coverage
The Center for Pediatric Therapy is dedicated to helping you secure insurance coverage for your child’s therapy services.

“Out-of-network” refers to insurance carriers with whom we are not contracted. This does not mean your insurance won’t cover the services, but rather that you, as the policyholder, will need to take additional steps to ensure reimbursement. While we will assist with the reimbursement process, you are ultimately responsible for payment and for resolving any disputes directly with your insurance carrier.

Since we do not have a contract with your insurance provider, please follow these steps:

Verify your coverage: Contact your insurance carrier to confirm that therapy services are covered, specifying the type of therapy (occupational, speech, or physical therapy).

Provide requirements: If your insurance requires prior authorization or documentation, please contact our office and provide the necessary details so we can submit the documentation promptly.

Update insurance information: Bring your updated insurance cards to our office to ensure our records are accurate and up to date.
Self-Payment

Payment & Insurance

The world of insurance has become so complicated! Our goal is to help you understand the payment process and navigate this aspect of your child's services.

Here are some key questions to ask your insurance carrier:

Your insurance carrier can provide specific details regarding your coverage and any financial responsibilities.

Payment Options:

Please call our Business Manager, Diane at the Wallingford office with any questions at 203-949-9337.