Rates & Policy

Voice therapy is directly accessible, which means you can make an appointment without a referral. ⚠️ Important: this may affect reimbursement from your Dutch health insurance.

For reimbursement:

• Either a referral from a physician is required,

• OR a screening by the speech therapist during the first appointment takes place (not all insurers accept this) – in that case a report is sent to your GP.

If you do not have a referral and want insurance reimbursement, we conduct a screening (DTL) first and send a report to your general practitioner.

⚠️ Note: For insurers such as CZ (CZ, CZdirect, IZZ, Just, Nationale Nederlanden, OHRA) and ASR, a referral is always required.

Stemweijs does not have contracts with health insurers. However, speech therapy is included in the basic insurance package in the Netherlands, so you may receive full or partial reimbursement depending on your Dutch insurance and policy type.

For adults, the statutory deductible of €385 applies.

• With a restitution or combination policy, you can choose any therapist and treatment is fully reimbursed (minus the deductible).

• With a nature policy, care without agreements is partially reimbursed (approximately 50%–85%). This means insurance reimbursement for each treatment will be roughly €21.57 to €35.77 after the deductible.

You will receive the invoice by email in the week following your appointment.

Because I work as an independent voice therapist, all administrative matters are handled directly between you and Stemweijs. You will receive the invoice directly from me, pay it, and then submit the invoice yourself to your health insurer to request reimbursement.

✅ Tip: Submit the invoice to your health insurer as soon as you receive it. Many insurers reimburse within a few business days—often even before the payment deadline of the invoice expires. This way, you won't have to pay out of pocket in advance.

How do I submit the invoice to the health insurer?
Submitting the invoice is quick and easy via your health insurer's app or online portal:

1. Log in: Log in to your health insurer's app or website.
2. Submit a claim: Go to 'Submit claim' or 'New claim'.
3. Upload invoice: Upload the invoice (the PDF file received by email).
4. Upload referral letter (if requested and applicable): Upload a photo or scan of the referral letter from your GP/specialist (the required doctor details are also already listed on the invoice).

The health insurer will process the claim within a few business days up to two weeks and deposit the reimbursed amount directly into your bank account.