
09/12/2025
👉 When a clinic says their private pay rate is “comparable” to your insurance co-pay, it’s not always the full picture and here’s why:
1️⃣ Co-pays count toward your annual out-of-pocket max. Once you reach it, many services are free for the rest of the year.
2️⃣ One co-pay can cover multiple therapies in a single day. Most commercial plans cover multiple therapies for a single co-pay when received on the same day.
3️⃣ Some plans include unlimited visits. For example, children with an Autism diagnosis may receive unlimited therapy at no cost once the out-of-pocket max is met.
💡 Bottom line: Insurance often saves families much more in the long run and is worth using if you have it.
✨ We’re in-network with Capital Health Plan/CHP (for OT & Speech) and United Healthcare and are happy to walk you through your benefits.
🎉Give us a call at 850-294-3249 to see what your coverage includes!