Insurance & Fees for Testing Services

Using Insurance to Pay for an Evaluation

Evaluations are more in-depth than standard therapy sessions and are structured differently. Rather than a single appointment, they involve multiple components, including clinical interviews, testing sessions, scoring and interpretation, and a detailed written report with individualized recommendations.

Services are billed using medical codes for the different components of the evaluation (for example, testing, scoring, and interpretation). While these services may occur across multiple appointments, they are typically submitted to insurance together once the evaluation is complete. From a family’s perspective, this often feels similar to a single, comprehensive service, even though it is made up of multiple parts behind the scenes.

What Insurance Covers

Many plans cover psychological or neuropsychological testing when it is considered medically necessary, though the extent of coverage can differ.

We verify your benefits in advance and will review what your plan is likely to cover, including any deductibles, co-insurance, or limitations. Services we submit to insurance are called “covered services.”

If you have not yet met your deductible, your insurance may consider most or all of the cost to be your responsibility. Please check with your insurance company directly to clarify whether your deducible applies.

Client Payment for Covered Services

“Covered services” mean that your insurance company pays for part of the service, and you pay for portions of the cost, such as deductibles or co-insurance. The amount depends on your individual insurance plan.

We submit insurance claims on your behalf if your plan is in-network. If you would like to use HSA or FSA funds, let us know and we can help provide necessary documentation.

Because evaluation services are typically submitted to insurance after completion, clients are provided a summary of costs at that time rather than spread out across sessions.

Other Out of Pocket Costs

For kids and teens, an evaluation often includes academic testing and related services (classroom observation, corresponding with teachers) that insurance companies do not deem medically necessary, and so they do not contribute to payment for these services.

However, these “non-covered” services may be helpful when developing a comprehensive support plan for your child (and are necessary to diagnose learning concerns).

This means that many evaluations involve out-of-pocket costs even if your insurance plan contributes to paying for other aspects of testing.

Details by Type of Assessment

The following are the most common types of evaluations we conduct, but each assessment is individualized to your or your child’s needs.

We specialize in comprehensive and therapeutic evaluations. These assessments work to understand your child as a whole person, knowing that strengths and challenges show up differently across areas.

In-Network Insurance

Costs will include:

  • Co-pays or co-insurance for testing services (varies widely)
  • $1000-1250 for academic testing services

Private Pay

  • Flat fee of $3500
  • Includes school consultation, academic testing and recommendations, and feedback.

Additional Notes

If your child attends a public school, they may be eligible for a similar evaluation of their academic skills by the school.  If you have not yet requested a school evaluation, we recommend that you start there–these evaluations are free if your child qualifies.  In addition, public schools will often still wish to conduct their own assessment before implementing any recommendations.

Please feel free to ask us for support around this process!Evaluation for ACT/SAT Accommodations

College Board and ACT requirements are comprehensive and include additional testing to justify most accommodations requests. Therefore, in most cases there is an additional fee for an evaluation that will be used to support standardized testing accommodations.

In-Network Insurance

Costs will include:

  • Co-pays or co-insurance for testing services (varies widely)
  • $1250 for academic testing services

Private Pay

  • Flat fee of $4000
  • Includes school consultation, academic testing and recommendations, and feedback.

If your child needs a standardized IQ test to determine eligibility for a school or program, we administer the WISC-V or WAIS-5 depending on age. Unless there is a diagnostic question (for example, ADHD or anxiety alongside giftedness), this is not covered by insurance.

Many programs also require a standard achievement battery alongside a cognitive assessment. These cannot be billed to insurance.  We can administer the WIAT-4 or KTEA, as well as domain-specific tests such as the GORT-5.

Costs

  • $750 for IQ test and report
  • $750 for achievement testing and report

In some cases, families do not wish to involve school staff or complete academic testing.  Because children spend a significant amount of time at school, we find that including academic testing often makes sense in order to have a complete picture of a child’s needs. However, if we believe academic testing is not relevant, we will discuss this with you.

Using In-Network Insurance

If the assessment question can be addressed without academic testing, we can submit a majority or all of the services to insurance. This means families are only responsible for the amount insurance does not cover (co-pay or co-insurance).

Private Pay

Fee varies depending on the scope, typically ranging from $1500-2000.

Additional Related Services

Some families request services following an evaluation or prior to completing a full evaluation, in order to receive additional support.

1-hour meeting with a child or teen following an evaluation to help them understand their own brain in a new way.  We discuss their strengths, introduce new language for challenges, and share a couple of strategies tailored to their unique brain style.

Because this is a therapeutic service, we are able to bill insurance for child feedback meetings, which means the cost is similar to a co-pay for a therapy session.

This service involves attending a school meeting to review evaluation findings, clarify recommendations, and support collaborative planning with school staff. The focus is on translating assessment results into practical terms in order to ensure you and your child’s team are on the same page.

Typical Fee: $200

A focused assessment to clarify why a specific academic area is challenging and identify the supports most likely to help. This targeted evaluation addresses a narrow, practical question-such as reading efficiency, written expression, math reasoning, or test-taking skills-without the scope of a full psychoeducational evaluation.

Families receive a brief written summary explaining results, practical intervention recommendations, and guidance about next steps. The goal is to give families a clear direction-knowing what to try, what to watch, and when a more comprehensive evaluation might be warranted.

This service is not covered by insurance and the fee depends on the scope.

Typical Range: $500-750

This service provides focused consultation to help families or school staff think through academic concerns and next steps. It may include reviewing records, discussing teacher feedback, clarifying school recommendations, or helping parents know what questions to ask.

Hourly Consultation Fee: $250

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More Questions?

Insurance and billing is complicated. If you need help understanding your policy’s coverage, or have more questions about paying for an evaluation, please reach out!

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