Ability & beyond
Occupational therapy
clinic location:
25814 Oak RIDGE DR
SPRING, tx
phone: (936) 271-1337
Fax: (936) 585-8108
Info@abilityandbeyond.com
HOURS:
Mon-Fri
8:00 AM - 6:00 PM
Call us to make an appointment today!
Our Location
Contact Us!
Please use the Patient Dashboard link below to create your child's profile in our Raintree scheduling and records system.
Once you've completed all the necessary demographics, forms, and medical history, our team will reach out to you to schedule your child's initial evaluation(s).
Insurance Information
Ability & Beyond will work with your provider.
In-network with:
- Blue Cross Blue Shield
Most PPOs recognize Ability & Beyond as an out-of-network provider and we happily submit claims to your insurance company as a service. We frequently work with the following:
- Tricare - Cigna - Aetna - United Healthcare
Please call our office if you would like to discuss our payment rates. We accept cash, check, HSA/FSA cards, and credit payments. Payment is expected at the time of each session.
We are in-network with Blue Cross Blue Shield (BCBS) for speech therapy services and in-network with both BCBS and Texas Children’s Medicaid Health Plan for occupational therapy services. For all other insurance providers, we are considered out-of-network. However, we are happy to provide a superbill for you to submit to your insurance for potential reimbursement.
Insurance and Payment FAQs
Q: Do you accept insurance?
A: Yes, we accept BCBS for OT and Speech services. As a courtesy, we will bill your insurance provider on your behalf. However, payment for all services is due at the time of service. Once your insurance processes the claim, you may be reimbursed directly depending on your plan and coverage.
Q: How do I know if my insurance will cover occupational or speech therapy services?
A: We recommend contacting your insurance provider to verify your benefits for OT and Speech services.
Key questions to ask include:
Does my plan cover speech therapy services?
Are there exclusions or limitations for certain diagnoses?
What is my deductible, and has it been met?
Q: What does "out-of-network" mean?
A: Out-of-network means we are not contracted with your insurance provider. While you can still use your insurance for reimbursement, your benefits and out-of-pocket costs may differ from those for in-network providers.
Does my plan cover speech therapy services?
Are there exclusions or limitations for certain diagnoses?
What is my deductible, and has it been met?
Q: What does "out-of-network" mean?
A: Out-of-network means we are not contracted with your insurance provider. While you can still use your insurance for reimbursement, your benefits and out-of-pocket costs may differ from those for in-network providers.
Q: What happens if I don’t have out-of-network coverage for therapy? What does that mean?
A: If your insurance plan does not cover out-of-network therapy, it means you will be responsible for the full cost of services without reimbursement from your insurance provider. Some plans only offer benefits for in-network providers, so it’s important to check your plan’s details. We can still provide you with a superbill for documentation or other potential options, like Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), to help offset costs.
Q: How do deductibles work for out-of-network services?
A: A deductible is the amount you MUST pay out-of-pocket for covered services before your insurance begins to reimburse.
A: If your insurance plan does not cover out-of-network therapy, it means you will be responsible for the full cost of services without reimbursement from your insurance provider. Some plans only offer benefits for in-network providers, so it’s important to check your plan’s details. We can still provide you with a superbill for documentation or other potential options, like Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), to help offset costs.
Q: How do deductibles work for out-of-network services?
A: A deductible is the amount you MUST pay out-of-pocket for covered services before your insurance begins to reimburse.
For example:
If your deductible is $3,500 and you haven’t met any of it yet, you will need to pay the full cost of services until you reach that $3,500 threshold.
Once your deductible is met, your insurance may reimburse a percentage of the service cost (e.x., 70%).
Q: How do I file for reimbursement from my insurance for out-of-network services?
A: After each session, we will provide you with a detailed receipt or "superbill" containing all necessary information for filing a claim. You can submit this directly to your insurance company to request reimbursement.
Q: What forms of payment do you accept?
A: We accept credit cards, debit cards, and Health Savings Account (HSA) or Flexible Spending Account (FSA) payments.
Q: What happens if my insurance denies the claim?
A: Because payment is due at the time of service, you are responsible for the cost regardless of your insurance provider’s decision. However, we are happy to assist you in appealing the denial if appropriate.
Q: Why do I need to pay at the time of service if you bill my insurance?
A: Billing insurance as a courtesy does not guarantee payment. By collecting payment at the time of service, we ensure that your child’s therapy is uninterrupted while you wait for your insurance to process the claim and issue reimbursement.
If your deductible is $3,500 and you haven’t met any of it yet, you will need to pay the full cost of services until you reach that $3,500 threshold.
Once your deductible is met, your insurance may reimburse a percentage of the service cost (e.x., 70%).
Q: How do I file for reimbursement from my insurance for out-of-network services?
A: After each session, we will provide you with a detailed receipt or "superbill" containing all necessary information for filing a claim. You can submit this directly to your insurance company to request reimbursement.
Q: What forms of payment do you accept?
A: We accept credit cards, debit cards, and Health Savings Account (HSA) or Flexible Spending Account (FSA) payments.
Q: What happens if my insurance denies the claim?
A: Because payment is due at the time of service, you are responsible for the cost regardless of your insurance provider’s decision. However, we are happy to assist you in appealing the denial if appropriate.
Q: Why do I need to pay at the time of service if you bill my insurance?
A: Billing insurance as a courtesy does not guarantee payment. By collecting payment at the time of service, we ensure that your child’s therapy is uninterrupted while you wait for your insurance to process the claim and issue reimbursement.
We are here to support you and your child. Please call if you have any questions about payments and billing.