Many private practices no longer participate with managed health care plans because of poor reimbursement and plan limitations. We employ an insurance coordinator to assist with authorizing, procuring and educating patients and families about the intricacies of medical reimbursement. Insurance contracts often do not adequately cover speech and language therapy and you should be prepared, and plan for this reality. You need to know the limitations of the medical coverage plan that your employer purchased.

  Here are some of the common limitations:

(Be sure to ask your employers Human Resources department about these limitations prior to initiating services and when considering enrollment.)

"Sixty consecutive days per condition per lifetime"
This means that if you or your child has a speech and language delay due to a reason other than a birth defect that you have two months of coverage from the first therapy visit….period!

"Must be restorative in nature"
This clause can eliminate all early childhood speech and language disorders, as much of what we do is to habilitate proper development.

"Must be medically necessary"
Each insurance company has a review board that determines what is medically necessary and what is not. Often times if there is not a known medical condition directly impacting the need for services then they are denied.

  Below are insurance providers with whom we are under contract:

Accepted insurances:
 
(In Network):

  Cigna HMO POS EPO Blue Cross Blue Shield
  Secure Horizons PacifiCare HMO POS
  Aetna HMO PPO Elect Choice Cigna PPO
  HMO Colorado Humana
  USI Administration Medicaid
  NECP PHCS PPO MD Plan
  Principal Life The Guardian
  Great West Life United Health Care
 

(Out of Network Plans)

  AMS Health Plans US Life Care
  Mutual of Omaha PHCS POS
  Sloans Lake  

(Updated 01-24-07)

  We realize that there are many alternatives in clinics in the Denver metro area and we thank you for considering Darrel L. Teter, Ph.D. and Associates Inc.