What therapy services does Lumiere Children's Therapy provide?

Lumiere Children's Therapy offers comprehensive pediatric services, including speech therapy, occupational therapy, Applied Behavior Analysis (ABA), social work, early intervention, autism testing, teletherapy, and a therapeutic preschool. Our multidisciplinary team collaborates to create personalized treatment plans that support every child's unique developmental journey.

At what age can my child begin therapy?

We serve children from birth through 18 years of age. Early intervention can help address developmental delays before they become more significant, while older children benefit from therapy that supports communication, learning, motor development, emotional regulation, and independence throughout childhood and adolescence.

How do you determine the right therapy plan for my child?

Every child begins with a comprehensive evaluation completed by a licensed therapist. We assess developmental skills, discuss your concerns and goals, and use standardized assessments when appropriate. Based on the results, our team creates a personalized treatment plan that evolves as your child grows and reaches new milestones.

Can my child receive more than one therapy service at the same location?

Yes. Because Lumiere Children's Therapy offers multiple pediatric therapy services under one roof, children can receive coordinated care from speech, occupational, physical, behavioral, and social work professionals. This collaborative approach improves communication among therapists and creates a more consistent experience for families.

Does Lumiere Children's Therapy accept insurance?

We work with many major insurance providers and help families understand their available benefits before therapy begins. Our experienced administrative team assists with insurance verification, claim submissions, billing questions, and payment options, making the process as simple and transparent as possible for parents and caregivers.

What should we expect during our first therapy appointment?

Your first visit focuses on understanding your child's strengths, developmental needs, and family goals. A licensed therapist will complete an evaluation, answer your questions, and explain recommended services. You'll leave with a clear understanding of the next steps and a personalized treatment plan designed for your child.

Why do families choose Lumiere Children's Therapy?

Families choose Lumiere Children's Therapy because we provide individualized care through a collaborative team of experienced pediatric specialists. From evaluations and insurance guidance to ongoing therapy and family education, we're committed to delivering compassionate, evidence-based care that helps children build lifelong skills and confidence.

How can I schedule an evaluation at Lumiere Children's Therapy?

Scheduling an evaluation is quick and straightforward. Simply call our office, send us an email, or complete the contact form on our website. Our friendly team will guide you through every step, including insurance verification, appointment scheduling, and preparing for your child's first visit so you can get started with confidence.

January 22, 2020

The 411 on Insurance for Pediatric Therapy

A look at different types of insurance and pediatric therapy benefits

Health insurance is one of the more confusing — and often frustrating — aspects of life. You need it, but navigating the different kinds and what they offer is challenging. Finding the right insurance coverage becomes even more important when you have a child who needs pediatric physical, speech, or occupational therapy.

Here is information you can use to cut through some of the confusion.

Types of insurance

There are many different types of insurance plans and each works in different ways. Pay attention to things like premiums, deductibles, and copays/coinsurance amounts.

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Most plans in the Health Insurance Marketplace will cover a certain percentage of costs, while you must cover the other percentage. There are different levels of plans.

Health Insurance Marketplace plans:

Platinum – Plans cover 90% of medical costs, you cover 10%.
Gold – Plans cover 80% of medical costs.
Silver – Plans cover 70% of medical costs.
Bronze – Plans cover 60% of medical costs.
Catastrophic – These plans pay once you’ve reached a high deductible. They do cover the first three primary visits and preventive care.

Other commercially available plans fall into one of four categories

1. Health Maintenance Organization (HMO)

These plans require you to use network providers for your health services. You also have a primary care provider (PCP) who manages your care. He or she will refer you to specialists. An approval is often required in order to see a specialist, as well.

What you pay:

Monthly premium
Deductible (the amount you must pay before the plan contributes)
Copay and/or coinsurance

2. Preferred Provider Organization (PPO)

PPO’s give you a little more freedom. You still need to see network providers, but you can also go to an out-of-network provider for a higher cost.

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What you pay:

Monthly premium
A copay and a percent of coinsurance (20% is a common coinsurance rate)
Other costs for out-of-network providers

3. Exclusive Provider Organization (EPO)

Offers a little more freedom to choose providers versus an HMO. You don’t normally have to get a referral to see a specialist, either. However, they don’t offer any coverage if you go to an out-of-network provider. These plans also generally have a lower premium than a PPO.

What you pay:

Monthly premium
Deductible (some have them)
A flat fee and copay and/or coinsurance percentage
Other costs for out-of-network providers

4. Point of Service Plan (POS)

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These plans are a blend of HMO and PPO. You have more freedom to choose a provider and you can see out-of-network providers for a higher fee. You still need a primary doctor to coordinate care with specialists.

What you pay:

Monthly premium
Deductible (an amount you must cover before the plan pays, which may be higher for out-of-network providers)
Copay and/or coinsurance (you pay a fee and a percent of the charges for care)

Pediatric therapy benefits

The Affordable Care Act (ACA) made changes to how insurance plans cover therapy for children. Under the act, plans must cover pediatric therapy, including physical, occupational, speech, and ABA services. This applies to self-funded and non-self-funded plans. Each plan has specific benefits and coverage limits, however. Be sure to verify what is and what is not covered under your plan.

In addition, the Individuals with Disabilities Education Act (IDEA) requires insurance plans to cover pediatric therapy for children from birth through age 21 if they are eligible for early intervention (Part C) or special education services (Part B).

Lumiere is happy to help you determine what your insurance covers as part of our onboarding process. We want to ensure that you understand the provisions included in your plan and what you can expect to pay.

What if insurance is not enough?

Even with insurance, many families struggle to afford the cost of on-going therapy. Lumiere offers membership plans with discounted rates for sessions. We can also identify resources to help you pay for services that may not be covered.

Our purpose

Lumiere Children’s Therapy provides comprehensive treatment and support for children. We also work to educate families and caregivers. Above all, our mission is to inspire hope that your child can improve and achieve traditional milestones. We strive to create experiences that help forge connections between parents and children, while also revealing the potential in each child, regardless of their skills.

Our services include:

Speech therapy
Occupational therapy
Developmental therapy
Physical therapy
ABA therapy (Applied Behavior Analysis for Autism Spectrum Disorder, or ASD)
Social work
Augmentative alternative communication
Early intervention
Teletherapy

If your child is struggling with speech, physical impairments, or developmental delays, we can help. And we will do our best to work with your insurance and other sources of funding to provide the services your child needs.

Lumiere Children’s Therapy is a full-service, multidisciplinary pediatric therapy practice located in Chicago that serves the developmental needs of children from birth to 18 years of age. Learn more about how our team of clinicians works to improve the lives of children and their families.

SUPPORT YOUR CHILD'S DEVELOPMENT

Looking for expert pediatric therapy services? Our team specializes in helping children reach their full potential through compassionate, personalized care.

Book an Appointment → Call (312) 242-1665

Vasilikitsa “Kitsa” Antonopoulos

Vasilikitsa “Kitsa” Antonopoulos, MA, CCC-SLP/L is a licensed speech-language pathologist with over two decades of experience supporting children and families. After earning her Bachelor’s and Master’s degrees in Communication Sciences and Disorders from Saint Louis University, she gained deep clinical expertise working across pediatric hospitals, early intervention programs, and autism therapy settings.

In 2010, Kitsa founded Lumiere Children’s Therapy to create a holistic, collaborative space where children could receive personalized, multidisciplinary care. Her vision continues to guide Lumiere’s dedicated team of therapists, offering speech, occupational, physical, and behavioral therapy and more, to help every child reach their fullest potential.