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For Families/ Insurance & Billing
For Families · Insurance & Billing

Coverage, plainly explained.

We accept and bill major Florida pediatric payers, we're a credentialed Early Steps provider, we accept the Step Up For Students FES-UA scholarship, and we offer private-pay options when insurance isn't the fit. If this page doesn't answer your question — call us. We've been navigating this for 26 years.

Not sure what your plan covers? We verify benefits for you during intake — free, no commitment.

Plans we accept

Major Florida payers — covered.

We accept and bill these plans across our Florida service area. In-network status varies by plan — your specific policy will be verified at intake.

Don't see your plan? Ask us → — we may still be able to help, or point you to the right resource.

Also accepted · Scholarship funding

Step Up For Students — FES-UA scholarship.

We accept the Family Empowerment Scholarship for Students with Unique Abilities (FES-UA), administered through Step Up For Students. Families can use scholarship funds to pay for approved pediatric therapy services with Therapy Playhouse.

Three ways families cover care.

Most TP families use one of these paths. For children in Early Steps, the program and insurance work together — we bill approved insurance first, and Early Steps covers services for families without approved billing coverage.

Most common

Commercial insurance.

We bill your health insurance directly for evaluations and ongoing sessions. Your out-of-pocket depends on your plan's copay, coinsurance, and deductible for pediatric therapy.

  • Evaluation and treatment billed under your child's benefits
  • We handle prior auth paperwork for plans that require it
  • Monthly statements, HSA/FSA-eligible
  • Secondary insurance coordination available
Typical cost to you Your plan's standard specialty copay per visit, after any deductible. We verify this before your first session.
Children under 3

Florida Early Steps.

Florida's early intervention program for infants and toddlers with developmental delays or medical complexity. TP is a credentialed Early Steps provider throughout our service area.

  • Eligibility determined by Early Steps, not by us
  • Services delivered in natural environments (your home)
  • We bill your approved insurance first; Early Steps covers services for families without approved billing coverage
  • Transition planning as your child approaches age 3
Typical cost to you Depends on your insurance. If your plan is approved for billing, you pay your plan's standard cost share. For families without approved billing insurance, Early Steps covers services directly with a sliding-scale family fee based on income.
Flexible

Private pay.

When insurance doesn't cover the discipline or frequency your child needs — or when you'd rather not involve insurance — we accept private pay. Flat per-session rates, HSA/FSA-eligible.

  • Transparent flat rate per evaluation and session
  • No prior authorization delays
  • HSA/FSA payment accepted
  • Superbill provided for out-of-network reimbursement
Typical cost to you Evaluation and session rates are quoted at intake. Many private-pay families submit for partial reimbursement through out-of-network benefits.

How benefits verification works.

You don't have to figure out your own coverage. We do it for you — before you commit to anything.

01

You share the basics.

On the intake call, give us your insurance card info and your child's date of birth. Two minutes.

02

We run the verification.

Our billing team contacts your plan directly and confirms coverage for evaluations, sessions, and any prior-auth requirements.

03

You get the numbers.

We call back with your estimated per-visit cost and anything you should know about deductibles or authorizations — before scheduling your evaluation.

Common billing questions.

Straight answers. If yours isn't here, call us.

My plan isn't in your list — can we still work together?
Probably. The logos above are plans we work with most often, but we accept and bill others as well — sometimes as out-of-network. Call us with your plan info and we'll tell you honestly what the options are.
Do I need a referral or prior authorization?
It depends on your plan. Many commercial plans require a pediatrician referral and some require prior authorization before evaluation. We handle the paperwork, but the referral has to come from your child's doctor. On the intake call we'll tell you exactly what your plan needs.
How much will my child's care actually cost?
For commercial insurance, it's typically your plan's specialty copay per visit — after any deductible you haven't met yet. For children in Early Steps, we bill your approved insurance first (your normal insurance cost share applies); if your plan isn't approved for billing, Early Steps covers services directly with a sliding-scale family fee based on income. For private pay, rates are flat per session. We give you specific numbers before your evaluation is scheduled, so you can decide with real information.
What if my insurance changes mid-year?
Tell us right away — even before your new card arrives. We re-verify coverage with the new plan so there's no gap in authorized services. If the new plan isn't one we typically work with, we'll explain your options before the next session.
What happens when my child ages out of Early Steps?
Early Steps ends on a child's third birthday. We help families transition — usually to commercial insurance, school-district services, or a combination. Transition planning starts in the months leading up to age 3 so there's no interruption in care.
Do you bill Medicaid?
Yes — we work with Florida Medicaid-managed care plans including Sunshine Health, Simply Healthcare, Humana Healthy Horizons, and Children's Medical Services (CMS) Plan by Molina. Straight Medicaid coverage depends on the region.
Can I use my HSA or FSA?
Yes. Pediatric OT, PT, and speech therapy are HSA- and FSA-eligible. We provide the receipts and documentation your plan administrator needs.
What about missed-appointment fees?
We know kids get sick and schedules collapse. If you cancel at least 24 hours in advance, there's no fee. For same-day cancellations or no-shows, there's a flat fee that insurance doesn't cover. Our schedulers walk you through it on intake.

Still not sure? Just call.

Insurance is the part most families dread. We've been doing this for 26 years — let us look it up for you. No commitment, no cost to find out.

Start the conversation →