Talk On, LLC is in network with the following insurance companies:
Anthem Blue Cross Blue Shield of Ohio
Medical Mutual of Ohio
*be aware that there are some networks within commercial plans that we are not in network in*
Anthem Blue Cross of Ohio Medicaid
Buckeye Health Plan
Humana Healthy Horizons
Molina Healthcare of Ohio
United Healthcare Community
We will provide superbills for all other insurance companies.
We are in the process of contracting with other insurance companies as well, so please be sure to call and ask if you do not see your company on this list.
If we are not yet in-network with your insurance company, we offer private pay solutions for your family.
We accept all major credit cards.
Jon Peterson Special Needs Scholarship
Talk On, LLC is an Ohio Department of Education approved Jon Peterson Special Needs Scholarship provider. Please contact us to learn more!
What should I know about my insurance benefits for speech and occupational therapy?
What are you expected to cover or pay?
All patients are responsible for all costs and fees that any third party payer does not cover
Becoming Familiar With Your Insurance:
Review your insurance card: it shows you your member and group numbers/ ID, your plan type, and phone numbers to call for questions about your plan.
Questions to ask when you call your insurance company
Speech Therapy CPT Code:
Occupational Therapy CPT Code:
“Does my plan cover therapy?”
“Am I responsible for a Co-Pay amount or Co- insurance?”
Copay: A fixed dollar amount you pay for certain types of care
Ex: If you have a $20 copay that is what you pay for the medical service whether the visit cost $40 or $400
Coinsurance: The percentage of the cost of the visit
Ex: if you have 20 percent coinsurance and the visit was $400 you are responsible for $80
“Do I have to meet my deductible in order for my insurance to pay for therapy services?”
“What is my individual deductible?”
Deductible: This is the amount of money that you are required to pay in order for your insurance to start to pay towards services
“Have I made any progress toward my deductible?”
“What will my insurance cover after my deductible is met?”
“How many yearly visits are covered for speech or occupational therapy?”
Ask if that is a "hard limit" which means that once that number is exhausted, therapy is no longer covered by insurance and anything that you pay will not go towards your deductible. If it is a soft limit we will have to request a pre authorization for sessions past the max limit.
Does my plan have any diagnostic exclusions for speech or occupational therapy?
A diagnostic exclusion is when an insurance company will not pay for therapy if a person has specific diagnoses.
“Is pre-authorization required?”
If a pre-authorization is required this means that your insurance company places restrictions on certain medications, tests, or health services. This requires your therapist to first check and be granted permission before your plan will cover the item.
Private Pay patients are responsible for service fees in their full amount at time of service