We are In-Network Providers with Most Major Insurances
Language Essentials accepts many insurance plans and will gladly submit our clients' claims if we are part of an insurer's network. Please bring your insurance information with you to your first visit. Insurance generally covers only a portion of the total cost of treatment. Unless other arrangements have been made in advance, co-payments are due prior to therapy sessions. It is the client's (or financially responsible party's) responsibility to pay any balance not paid by their insurance company (see our Billing and Payment Policy under Important Documents).
You may be able to arrange coverage through an employee “cafeteria” plan. Under such plans, some employers offer the option to select a benefit other than traditional health insurance to reimburse additional medical expenses not usually covered by insurance, such as out of pocket expenses and deductibles. Reimbursement may be determined by IRS guidelines.
You may also be able to use a “Flexible Spending Account”, or FSA, in which you pay into a family savings account using pre-tax income, for items not covered by traditional insurance, and then receive reimbursement after filing the receipts or invoices. Please check with your employer about the plans available to you.
Since 2005, the IRS has allowed a deduction for medical expenses. In Publication 502 (Medical and Dental Expenses), under the topic “Special Education”, it states, “You can include in medical expenses fees you pay on a doctor’s recommendation for a child’s tutoring by a teacher who is specially trained and qualified to work with children who have learning disabilities caused by mental or physical impairments, including nervous system disorders.” For this deduction, you need a doctor’s recommendation and the fees (which can be combined with other medical expenses) must total more than 7.5% of your adjusted gross income.
Tax laws change often, so please check the current IRS regulations. The information provided above is NOT intended as professional tax or legal advice. For more information visit: www.irs.gov.
If Language Essentials is not an in-network provider for your insurance, we can still bill for you so that you can be reimbursed at the out-of-network rate per your insurance coverage.