Everything You Need to Know About
Rates & Insurance
for Speech Therapy & PEERS® Social Skills Groups
When goals extend beyond short-term support, many families find that program enrollment provides the structure needed for meaningful, lasting progress.
As an out-of-network practice, we do not accept insurance directly. However, we can submit receipts with the necessary codes to your insurance company on your behalf. Your insurance company will send you any reimbursement owed, as per the terms of your policy.
Do You Take Insurance?
In-network practices survive by packing therapist schedules. Most therapists see at least two clients per hour and have very little time to plan for those clients. To make matters worse, in-network practices are often staffed with unlicensed graduate students and/or Clinical Fellows. They are still learning how to be therapists and require supervision. What level of therapist are you looking for?
Problems with In-Network Care
Staying out-of-network allows us to provide specialized services that are difficult to find elsewhere. The enhanced level of care we offer includes:
Short wait times for evaluations and therapy
Extended 40-minute appointments
Appointments in the afternoons and evenings that don’t conflict with school or work schedules
A strong match between your child’s needs and our therapist’s skills
A consistent and well-trained therapist with advanced training… no substitute therapists, graduate students, or clinical fellows
Excellent communication with you and others you select (e.g., teachers, physicians, etc.)
Often, clients get reimbursed for our top-tier services and have a final cost similar to what they might have paid at an in-network clinic after factoring in deductibles, copays and coinsurance.
Benefits of Out-of-Network Care
Wonderful! No need to reinvent the wheel or ask your child to participate in the process again. If the report provides clear scores in the area of concern and is less than one year old, we will likely accept it.
I Already Have an Evaluation
$300 | Targeted Evaluations answer specific questions and support next steps when concerns are already well understood. Families choose this option when they want to use their out-of-network benefits, but do not have evidence of standardized testing within the last year.
Targeted Evaluations include brief testing, a Report of Scores, and a Results & Planning Conference during which we will review the results and agree on goals for your program.
Targeted Evaluations
$1400 | Comprehensive Evaluations dive deeper, answer broad questions, and provide a more complete picture of complex issues. Families choose this option when they’re not sure what is going on or when the path forward is unclear.
Comprehensive Evaluations include extensive testing, a highly detailed Evaluation Report, and a Results & Planning Conference during which we will review the results and agree on goals for your program.
Comprehensive Evaluations
40 minutes, $160 | Single therapy sessions are available, but most of our clients don’t choose this option…
Families who prefer occasional or short-term support may choose to schedule single sessions, one at a time, based on availability. However, the majority of clients benefit most from enrolling in a program designed to support ongoing growth over time.
Single Session Rate
Cheerful Chatter is built around consistent, relationship-based work rather than isolated sessions. For that reason, most families participate through program enrollment, which offers a predictable schedule, continuity of care, and a structured path for progress.
Program enrollment allows families to:
Secure a consistent weekly appointment for the duration of their program
Participate in a thoughtfully designed care plan
Receive a lower per-session rate through structured participation
Experience better outcomes through continuity and repetition
Take the summer off while still securing their time in the fall
Program Advantages
During the school year, we offer programs of 9, 18, 27 & 36 sessions. These terms coordinate with most quarterly marking periods, afterschool activities and sport schedules. This allows families the flexibility to choose one time in the fall and a different time in the spring — all the while keeping services consistent and more affordable.
Summers are a bit different. Because camp and travel schedules vary so much, we offer programs of six summer sessions that can be scheduled as you see fit.
Program Enrollment
40 minutes, $130-150 per session | Programs are secured with a nonrefundable deposit equal to roughly 40% of the total. Balances are due before the term begins. Payments can be made in-person or via invoice.
If enrolling in a 2-Term, 3-Term or School Year Program, you may choose different appointment times for each term. Appointments beyond your selected terms are not guaranteed. You can find our 2025-2026 calendar here.
School Year Program:
36 appointments during Terms A-D
$4700 total
$1800 deposit + $2900 balance
3-Term Program:
27 appointments during three terms
$3600 total
$1400 deposit + $2200 balance
2-Term Program:
18 appointments during two terms
$2500 total
$1000 deposit + $1500 balance
Includes fall & spring social skills groups (click here for the schedule)
1-Term Program:
9 appointments during one term
$1300 total
$500 deposit + $800 balance
Summer Program:
6 appointments scheduled at will during July & August only
$900 total
$400 deposit + $500 balance
Includes summer social skills groups (click here for the schedule)
Program Pricing
Timely cancellations may be made-up before the end of the term in which the cancellation occurred.
If you need to stop services for any reason, delivered sessions will be calculated at the single session rate and deducted from the balance. Remaining funds will be returned.
Make-ups & Refunds
We are able to process HSA and FSA transactions and are happy to try that method first…
However, those processors like to see diagnostic and treatment codes which cannot be included in the electronic funds transactions. Many of our families have found better success using traditional cards for payment and then submitting our statements to their HSA or FSA carrier for reimbursement.
Do you accept HSA & FSA cards?
We accept Visa, Mastercard, Amex, Discover and ACH bank transfers. We also accept mobile wallets/apps such as Cash App Pay, Apple Pay, Google Pay and Samsung Pay.
We do not add a surcharge for use of these payment methods.