Raising a child is expensive and we understand that therapy can feel costly in addition to all that it encompasses. From the basics of food, shelter and clothing, to hockey or dance classes or music lessons, it all adds up. The ability to communicate, however, is truly priceless. Your child’s ability to communicate opens doors to success in ways that are immeasurable and adds undeniably to their quality of life. Your child will not need therapy forever, but their ability to communicate will last a lifetime!
Here are some options to help address any financial questions you may have:
Extended Health Benefits
If you have group health coverage either individually or through an employer, they may provide coverage for Speech-Language Therapy Services. Every plan at every company is different so you will need to investigate your coverage. Be sure to ask:
- Is a doctor’s referral needed?
- How much coverage do I have and when is the renewal (most plans are based on a calendar year but this is not always true)?
- Are there any restrictions?
- Will your benefits cover sessions billed as “Speech-Language Therapy Parent Training” or “Speech-Language Therapy Parent Consultation” under the attending Parent’s name, or would they consider this a service under your child’s name?
If you do not have coverage for Speech-Language Services under your group benefit plans you can speak to your benefits coordinator about options to implement changes to your plan. We would be happy to support you in this endeavour.
Tax Credits & Benefits
Your child and/or family may be eligible for the Disability Tax Credit and/or Child Disability Benefit. You may also claim Speech-Language Therapy Services and/or travel related expenses as a medical expense when you file your tax return. The CRA website or your accountant/financial advisor can help you determine your eligibility.
Generally, if you have to travel at least 40 kilometres (one way) from your home to access medical services, including our Apraxia Centre, you may be able to claim public transportation costs. If you have to travel more than 80 kilometres (one way) there may be other claimable expenses. Be sure to review the details of medical expenses available from the CRA before visiting us.
Depending on your child’s needs, diagnosis and/or your family situation, you may find support through one or more of the following funding programs:
Payment is due at the time of session. We accept electronic money transfer (interac e-Transfer) Visa, & Mastercard. Upon receipt of payment, you will be provided with a receipt for tax/insurance purposes. At this time, we are unable to submit directly to your insurance company.
We are happy to provide estimates for the purposes of insurance or financial planning. We will always work with you to arrange services to optimize therapeutic and financial outcomes.
Gift certificates are also available! Extended family members may find great comfort in financially contributing to your child’s communication success. Contact us for more information.