If you’re exploring therapy options for your child—whether it’s speech, occupational, feeding, or a combination—it can feel like a maze of choices. One of the most common questions we hear from families is:
“Why don’t you take insurance?”
It’s a fair question. We understand that therapy is an investment of time, money, and hope. As parents, you want to make the best choice—not just the most convenient one.
Here’s what we want you to know:
Therapy isn’t just a service. It’s a relationship. It’s a process. And it works best when it’s tailored to your child—not dictated by an insurance company.
Let’s break it down.
What In-Network Therapy Often Looks Like
In-network clinics are bound by the terms set by insurance companies. That usually means:
- Shorter sessions
- Strict limits on how often your child can be seen
- Paperwork-driven goals designed to satisfy billing codes—not necessarily your child’s real developmental needs
- Minimal time for parent coaching
- No room for collaboration between therapists, teachers, or doctors unless parents initiate and coordinate it
- A high turnover of therapists or inconsistent care
Most in-network clinics are filled with caring professionals—but they’re operating in a system that restricts what they can do. And when it comes to neurodivergent children, that often means missing the window for deeper support.
What Out-of-Network Care Looks Like at Tumble N’ Dots
At Tumble N’ Dots, we do things differently—on purpose. We’re out-of-network because it gives us the freedom to offer therapy that actually works.
Here’s what that looks like:
- 50-minute therapy sessions that allow time to build trust, go deeper, and work through real challenges
- A consistent therapist who gets to know your child—not just their diagnosis
- A multidisciplinary team (OTs, SLPs, feeding specialists, educators) working together behind the scenes to support your whole family
- Parent coaching and collaboration built into the process
- Child-led, play-based methods that actually make kids want to show up and participate
- No surprise restrictions on how often your child can be seen
- Ongoing consultations and a strong discharge plan when your child is truly ready
- Therapy decisions made by your care team—not your insurance company
We treat the whole child—and the whole family—because therapy doesn’t end when the session does.
But What About the Cost?
Yes, our services are private pay. That’s the honest part.
But here’s the part many families don’t realize: your insurance may still reimburse you for a significant portion of the cost. And our team is here to help with that.
We:
- Provide detailed superbills for you to submit
- Walk you through how to ask the right questions to your insurance provider
- Offer flexible scheduling and billing to meet your family’s needs
And most importantly—we help you avoid wasted months in a system that often delivers “just enough” to check the box.
The Bottom Line
Your child’s development doesn’t wait. Neither should their therapy.
Choosing Tumble N’ Dots means choosing:
- A whole-child, whole-family approach
- Experienced therapists who aren’t rushed
- A team that collaborates and adapts as your child grows
- Therapy that’s driven by your child—not your insurance company
We know that families come to us with big feelings, big hopes, and big questions. We’re here to answer them—and walk with you every step of the way.