Insurance & payment
Insurance and payment options
TalkTime works to make high-quality speech therapy easier to access for families in Los Angeles and Long Beach. We accept select commercial insurance plans for speech therapy, offer private-pay options, and participate in several public and community-based funding pathways.
Speech therapy insurance
Insurance accepted for speech therapy
Participation and coverage can vary by product, employer group, medical necessity criteria, network status, referral requirements, and authorization. TalkTime verifies benefits before services begin. Verification is not a guarantee of payment or coverage.
Plans we accept for speech therapy
Aetna California
Anthem Blue Cross California
Blue Shield of California
Cigna California
Kaiser Southern California
UnitedHealthcare California
UnitedHealthcare Surest
UnitedHealthcare UMR
Important coverage note
The commercial insurance plans listed above apply to eligible speech therapy services only.
Psychoeducational evaluations, counseling, behavior intervention, PEERS, and Communication and Social-Emotional Support Program services are currently available through private pay or eligible Self-Determination Program funding unless another arrangement is confirmed in writing.
How it works
How insurance verification works
Our team checks your speech therapy benefits and explains the next steps before services begin.
Four steps
Request a free consultation and provide your insurance information through the secure intake process.
TalkTime verifies benefits, referral requirements, authorization requirements, and expected member responsibility.
A team member contacts you within 48 business hours with available next steps.
Services begin after clinical matching and any required authorization are complete.
Additional funding pathways
Private pay, with rates discussed during consultation. Self-Determination Program funding. ELARC and SCLARC authorizations for eligible birth-to-3 speech services. School and district contracts.
What to know about your plan
Deductibles, copayments, coinsurance, visit limits, exclusions, and medical-necessity requirements may apply. Network participation can change, so contact TalkTime to verify your current benefits.