Insurance Information

Do you accept my insurance?

We are contracted with many major health insurance companies, such as Anthem Blue Cross, Blue Shield, Cigna, and others. Our team is happy to verify your coverage for you. As a courtesy, we’ll review your benefits on your first visit and bill your insurance company directly. You’ll only be responsible for the amount not covered by your plan.

Note for Medicare Beneficiaries:
As of July 1, 2025, SB Physio is no longer enrolled with Medicare. This means we cannot bill Medicare for your treatment, and services provided at our clinic cannot be submitted to Medicare for reimbursement.

Please call our office if you have questions or would like more information.

We also offer a variety of wellness and injury-prevention services that are open to the general public, including balance classes, recovery services, and individualized movement programs. These services are not billed to insurance and are available to anyone looking to stay active and independent.

We are happy to discuss private-pay options available for non-covered services and wellness-focused care.

Is physical therapy covered by my insurance?

Insurance plans vary widely in what they cover and how much they reimburse. We recommend contacting your insurance company directly for the most accurate information. You can usually find a member services number on the back of your insurance card.

Helpful information to ask about:

  • Any unmet deductible

  • Your co-pay or co-insurance rate

  • Whether pre-authorization is required

  • Your annual visit limit

  • Any maximum dollar coverage

  • Network or primary care referral requirements

Our office is also happy to help you understand this information before your first appointment.

What do these insurance terms mean?

  • Deductible: The amount you must pay before your insurance plan starts contributing.

  • Co-insurance: A percentage of each visit’s cost you pay after your deductible is met.

  • Co-payment: A flat fee you pay per visit, typically shown on your insurance ID card.

We accept co-payments by cash, check, or credit card.

What if I don’t have insurance coverage for physical therapy?

We offer private-pay options for patients without insurance or those seeking services not covered by their plan. Our goal is to make care accessible and effective, regardless of insurance status. Contact us to learn more about current rates and options that fit your goals.