Does Insurance Cover
Speech-Language Therapy?

YES!!  Many Policies Do!

small practice. BIG RESULTS!

As a small, locally owned and operated practice, Cheerful Chatter Speech-Language Services is there when you need them. Your child’s progress is our top priority. That means we keep in touch with their doctors, therapists, and teachers. This level of communication allows everyone to be committed to the same goals, on the same page, and working together to help your child make genuine progress across all areas of their life.

We Check Your Benefits & Submit Insurance Claims for You

We are currently in-network with most Blue Cross/Blue Shield plans.  Unfortunately, we do not accept Medicaid or Medicare plans.

Insurance policies can be confusing and tricky!  So, we help by checking your benefits whether we’re in-network or out-of-network.  We will do our best to give you a clear picture of how much things will cost and/or how much you will be reimbursed.  In addition, we will try to submit electronic claims/superbills directly to your carrier on your behalf…  Applicable reimbursement usually comes about three weeks later.  We have worked with a variety of carriers, including Aetna, BCBS, Cigna, Humana, and TRICARE.

For out-of-network and non-covered services, we will enroll you in our Reservation System…  Instead of dealing with payments at every visit, we will out spread the cost of services across weekly invoices.  This allows for lower, more predictable payments and a host of other benefits…  

Perks of the Reservation System include a guaranteed appointment time that is arranged in advance, unlimited free make-ups, a complete lack of attendance minimums, no extra fees (ever!), and two free bonus consultations when things like IEP season roll around.

Payment Options

For your convenience, we accept cash, checks, and all other payment methods accepted by Square.

  • These include: Visa, MasterCard, Discover, American Express, JCB, and UnionPay.
  • Types of cards include: credit, debit (processed as credit), corporate, registered prepaid, and rewards cards.
  • Cards from Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are also accepted!​

Need Financial Assistance?

Small Steps in Speech is a local, non-profit organization dedicated to providing grants to children without coverage for therapies, treatments, communicative devices, or other services aimed at improving their communication skills.  

UnitedHealthcare Children’s Foundation is a 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. 

Still Not Sure?

Some of our clients begin the process with an optional, initial Meet & Greet. These optional 30-minute appointments offer you the opportunity to ask questions and get to know our providers.  They may be held in-person, over the phone, or via telehealth.  We ask that the client not attend so that you are free to discuss your specific conerns without negatively affecting their confidence.  If interested, please click here to schedule an appointment.

Cancellations, Attendance & Additional Fees

Appointments scheduled between 8:00 and 11:55 am EST must be canceled by 7:00 pm EST the night prior.  Appointments scheduled between 12:00 and 8:00 pm EST must be canceled by 9:00 am EST the day of.  You may call, text, email, or respond to a message from Square when you need to cancel.

Non-therapeutic appointments (e.g., meet-and-greets, evaluations, etc.) that are canceled late or missed entirely will incur a fee equal to the scheduled service (up to $350) regardless of reason.

Therapy appointments within the Reservation Model that are canceled late or missed entirely will be forfeited and ineligible for a free make-up.

Therapy appointments with BCBS coverage that are canceled late or missed entirely will incur a fee of $110 regardless of reason.

Clients with BCBS coverage must maintain an overall attendance rate of at least 85% to maintain standing weekly appointments.  If your rate falls below 85%, we will ask you to schedule on a week-to-week basis, as per current availabilities.  Additionally, all electronic transactions are subject to surcharges equal to that charged by Square.