Insurance & Rates
Clear, upfront answers about how payment works at PlayGrow OT — our private-pay model, what a superbill is, what each session costs, and how to seek reimbursement from your insurance.
Our Payment Model
We are a private-pay practice, which means your child's care is decided by you and your therapist — never by an insurance reviewer. There are no waitlists, no limits on how often or how long we can see your child, and no one between you and the care your child needs.
Instead of billing insurance directly, we give you a superbill after each session that you can submit to your insurance company for potential out-of-network reimbursement. We're happy to walk you through it. This model lets us offer faster scheduling, more one-on-one time with Cheryl, and parent coaching built into every session — without the restrictions insurance companies place on frequency or duration of treatment.
What a Superbill Is & How Reimbursement Works
A superbill is a detailed receipt that includes everything your insurance company needs to process an out-of-network claim: the date of service, CPT procedure codes, a diagnosis code, and our provider information. You submit it to your insurance, and they reimburse you directly. Here's the process, step by step.
Receive your superbill
After each session we hand you a superbill — a detailed receipt with CPT codes, the diagnosis code, and our provider information.
Submit it to your insurance
You upload or mail the superbill to your insurance company through their member portal or app. It takes a few minutes.
It applies to out-of-network benefits
Your insurance applies the charge to your out-of-network deductible and coinsurance, just like any other out-of-network claim.
They reimburse you directly
Reimbursement comes back to you as a check or deposit — not to us. Many families receive partial or full reimbursement.
We help the first time
Submitting a superbill can feel unfamiliar the first time. We'll walk you through it, answer your insurance company's questions, and make sure you have everything you need.
Reimbursement isn't guaranteed and depends on your specific plan's out-of-network benefits. We can't promise what your insurance will cover, but we'll give you everything you need to file the claim.
Rates
Initial Evaluation
60-minute comprehensive assessment
- Comprehensive developmental assessment
- Parent interview & goal setting
- Detailed plan of care with specific goals
- Home strategy recommendations
Individual Session
45-minute one-on-one therapy session
- One-on-one therapy with Cheryl
- Progress tracking & parent updates
- Home exercise program
Save With a Session Package
Standard Start
6 Sessions
$192/session — save $350
Intensive Focus
8 Sessions (2x/week)
$192/session — save $464
Monthly Mastery
10 Sessions — flexible
$192/session — save $580
Accepted Payment Methods
Payment is due at the time of each session. We accept:
Please note that credit card payments include a 3% processing fee.
Cancellation Policy
We ask for 24 hours' notice for cancellations so we can offer the slot to another family. We understand that illnesses and emergencies happen, and we'll always work with you to reschedule. Consistency is one of the biggest drivers of progress, so we encourage families to treat sessions as a priority — but we're human about real life, too.
Questions about payment or insurance?
Book a free 15-minute consult and we'll walk you through exactly how it works — no pressure, no commitment. Or call or text (845) 664-3906.
Request a Free ConsultThis page is for general information and isn't a guarantee of coverage or reimbursement. Your benefits depend on your specific insurance plan.