insurance Information for Carolina Premier Therapy

Thank you for considering Carolina Premier Therapy for your child’s care!  We are committed to providing high-quality, individualized therapy services tailored to meet each child’s unique needs.

To maintain this personalized approach, we operate as a private-pay practice and do not bill to or accept insurance at this time. 

This allows us to:

• Offer customized treatment plans without restrictions
• Minimize administrative delays and complexities
• Focus entirely on delivering the best possible care
• Determine the frequency and duration of therapy sessions based solely on your child’s needs, not dictated by insurance limitations

We are happy to provide a detailed invoice, or Superbill, that you may submit to your insurance company for potential out-of-network reimbursement.

Please feel free to contact us if you have any questions or need assistance navigating this process. 

1. Individualized & Family-Centered Care

Private pay allows us to design therapy plans that focus on your child’s unique strengths, challenges, and goals—without restrictions imposed by insurance. We collaborate closely with families to ensure therapy is meaningful and effective.

2. No Therapy Caps or Session Limits

Insurance often limits the number of therapy sessions per year, which may not align with your child’s needs. With private pay, your child receives therapy for as long as they need without unnecessary breaks or denials.

3. More Effective & Holistic Treatment

Insurance companies often dictate which therapy approaches are covered, even if they are not the most effective. Private pay allows us to use the best, evidence-based techniques tailored to your child’s needs.

4. Faster Access to Therapy

Many insurance-based therapy providers have long waitlists or require extensive referrals and approvals. Private pay means your child can start therapy quickly, ensuring early intervention and faster progress.

5. More Consistent & Uninterrupted Services

Insurance may approve therapy only if a child demonstrates continued progress, which can lead to unnecessary interruptions. Private pay ensures consistent therapy that supports long-term success without unnecessary discharge.

6. Greater Parental Involvement

We value parent and caregiver collaboration. Private pay allows for more flexibility in parent education, home programs, and progress updates without the constraints of insurance-mandated session structures.

7. Transparent & Predictable Costs

With insurance, families often face hidden fees, denied claims, and unexpected out-of-pocket expenses. Private pay provides clear, upfront pricing so you always know what to expect.

8. A Better Therapist-Child Relationship

Because private pay eliminates the extra paperwork and insurance hurdles, therapists can focus more on your child’s therapy and development rather than administrative tasks.

9. No Need for a Medical Diagnosis

Insurance requires a formal diagnosis to approve therapy, even if your child would clearly benefit from services. Private pay allows children to receive OT and speech therapy without being labeled with a diagnosis, which may be helpful for school accommodations or future medical records.

10. Freedom to Choose the Best Therapy Services

Many insurance plans restrict families to in-network providers, limiting their options. With private pay, you can choose the therapist and treatment plan that best fits your child’s needs.

•  A Superbill is a detailed invoice or statement that a healthcare provider gives to a patient after a medical service is provided. It includes important information such as the services or treatments that were performed, the associated codes, the provider's contact information, and the cost of the services rendered. The purpose of the Superbill is to help the patient submit a claim to their insurance company for reimbursement. It serves as the official document that helps the insurer process the claim and determine how much they will cover based on the patient’s insurance plan. 

•  While the Superbill can help you submit a claim to your insurance company for potential reimbursement, it's important to understand that you are still responsible for paying the full set price for services rendered at the time of your appointment. The Superbill does not change the fact that the payment for the session is due upfront.  Any reimbursement or coverage from your insurer doesn't affect your obligation to pay for the services at the time of the visit. Think of the Superbill as a way to help you get back some of that cost, but not as a form of immediate payment or a delay in your responsibility to pay for the session.

• It is important to note that while the therapist provides the Superbill as documentation of the services rendered, they are not responsible for submitting it to the insurance company or ensuring reimbursement. The Superbill is simply a tool to help you submit a claim to your insurer. It's up to the patient to take the Superbill and file it with their insurance provider, who will then review the claim and determine what, if any, reimbursement is applicable based on their policy.  In other words, the therapist's role is limited to giving you the Superbill for your records, but any follow-up with the insurance company regarding payment or reimbursement is your responsibility.