A man questioning how much does speech therapy cost?

How Much Does Speech Therapy Cost?

Reviewed by Dr. Joyce Richardson, PhD.

If you’ve ever asked yourself ‘how much does speech therapy cost?’ we want to shed some light on the answer. Speech therapy is an invaluable resource for young children, setting them on the right path early on, and it is equally important for adults struggling with speech conditions.

But, speech therapy doesn’t always come at a low cost.

In this article, we’ll talk about what to expect when it comes to speech therapy costs including the factors that influence pricing, and explore strategies to make this essential service accessible to all.

How Much Is Speech Therapy?

On average, a speech therapy session can cost you anywhere from about $100 to $250. Keep in mind, though, that this is just a rough estimate based on broad national averages. Actual costs can vary based on several factors.

There may be some slight differences in cost for children’s speech therapy services versus adults, but they’re generally not drastic.

Factors Affecting Speech Therapy Costs

When it comes to the price tag of speech therapy, where you are and what you need matters. Let’s break down the factors that influence the cost.

Red location pin to reflect how speech therapy costs can vary by where you live.

Location

The cost of speech therapy can vary significantly depending on where you live.

Urban areas or regions with higher costs of living typically have higher therapy rates compared to rural areas. So, if you’re in a big city, expect a bit higher speech therapy cost per session.

Type of Therapy

Different types of speech therapy come with different price tags. For instance, private speech therapy sessions may cost more than group sessions.

Also, specialized therapies, such as augmentative and alternative communication (AAC) therapy, might be pricier due to the specialized expertise required.

Therapist Qualifications and Expertise

Just like how you might pay more for a doctor with years of experience, the qualifications and expertise of the speech therapist can impact the cost.

Therapists with advanced degrees, certifications, or specialized training may charge higher fees for their services. It’s like investing in top-tier quality for the best outcome.

A symbol of 50-plus years of expertise, to reflect the cost of speech therapy depends on expertise.

Session Frequency and Duration

How often and how long you need therapy sessions can also affect the overall cost. This can correlate with the severity of your condition and your speech therapist can give you an idea of how much therapy you might need during an evaluation.

More frequent sessions or longer durations may lead to higher total expenses. However, some therapists offer discounted rates for bulk sessions or package deals, so keep an eye out for those.

A page, with a dollar sign and a shield to represent insurance coverage for speech therapy payment.

Insurance Coverage

Some health insurance plans may cover speech therapy partially or fully, while others may have limitations or exclusions. You would need to check with the insurance provider to understand coverage details, including copayments, deductibles, and coverage limits.

Additional Expenses to Consider

Beyond the basic session fees, there are a few more expenses you might encounter along the way. These additional costs could entail:

  • Evaluation and Assessment: Initial evaluations and assessments conducted by the speech therapist are crucial for diagnosing speech or language disorders and developing an effective treatment plan. However, keep in mind that these assessments may come with extra costs, adding to the overall expense of therapy.
  • Materials and Resources: Depending on the therapy approach and goals, speech therapists may recommend or provide materials and resources for practice at home. Check with your speech therapist to see if they include these materials, such as workbooks, software programs, or assistive devices, in the price of their services or if they will be charged separately.
  • Additional Services: Sometimes, speech therapy may involve more than just speech exercises. For individuals with complex communication needs or co-occurring conditions, occupational therapy or counseling may also be necessary. These additional services can contribute to the overall cost of treatment.

How to Pay for Speech Therapy

Whether you’re paying speech therapy costs with insurance, out of your own pocket, or looking to get assistance from state-funded programs, there are options available to help you access the therapy you need.

Pay Out-Of-Pocket

If you’re considering paying for speech therapy out-of-pocket, you’ve got some flexibility.

You can use funds from a Flexible Spending Account (FSA) or Health Savings Account (HSA) to cover therapy expenses. These accounts allow you to set aside pre-tax dollars for qualified medical expenses, including speech therapy.

Private Health Insurance

Paying for speech therapy with a private health insurance plan can be complex since it varies depending on your specific policy and provider. While some insurance plans may offer partial or full coverage, others may put some limitations or not cover it at all. 

Contact your insurance provider for clarity on your coverage details and any potential out-of-pocket expenses such as copayments and deductibles. 

You’ll also want to confirm with your speech therapist that they accept your insurance.

Medicare

If you’re an adult eligible for Medicare, you may have coverage for speech therapy services under certain conditions.

Medicare Part B typically covers medically necessary outpatient speech-language pathology services when prescribed by a healthcare provider. However, coverage is subject to limitations and requirements, so it’s essential to understand your specific coverage details.

Additionally, coverage details may vary depending on whether you have a Medicare Advantage or Medicare Supplement plan, so be sure to check with your insurance provider.

Medicaid

While each state’s Medicaid programs may vary slightly, Medicaid typically covers speech therapy if it is deemed medically necessary by a dentist or physician. 

But this can sometimes be hard to get if your child is showing borderline symptoms.

Physician recommendations are usually reserved for children who are falling significantly behind, and since the earlier you treat a speech problem in a child, the better the results, you may not want to wait for this.

State-Funded Programs

States offer publicly funded early intervention programs to eligible young children (birth to 2 years). The drawback here is that you may not get to choose the therapist of your choice or see them as often as you’d like, but it can be an option if you are struggling to pay for what your child needs.

Then, once your child reaches school age, public schools often offer speech therapy services. Talk to your child’s elementary school teacher if you would like to get your child tested and treated by speech therapy at school.

How Online Speech Therapy Can Save You Money

An older woman in a therapy session at home representing how virtual speech therapy can save you money.

With online therapy, you can attend sessions right from the comfort of your own home, not only offering convenience and flexibility but saving both money and time.

No more driving to and from appointments, burning gas, and clocking miles on your car.

But that’s not all. Online speech therapy opens up a world of possibilities by giving you access to top professionals, no matter where you are located. You’re not limited to therapists in your local area – you can connect with experts from across the country or even around the globe.

And because online platforms often have lower overhead costs compared to traditional brick-and-mortar clinics, they can offer more competitive pricing. That means you can get high-quality therapy without the hefty price tag.

So, not only does online speech therapy offer convenience and accessibility, but it can also be a cost-effective option for those looking to improve their communication skills without breaking the bank.

Virtual Speech Therapy LLC

If you’re looking for an affordable speech therapy option without sacrificing quality, we’re glad you’ve found Virtual Speech Therapy LLC.

With our online platform, you’ll have access to top professionals from anywhere, saving both time and money.

Don’t let financial concerns hold you back from getting the support you deserve. Take the first step towards better communication and reach out to Virtual Speech Therapy LLC today.