Insurance and Patient Responsibility
Do you accept my insurance?
We are contracted with most major insurance companies and many workers’ compensation insurances. Our office staff is happy to verify your insurance coverage. As a courtesy to you, we will review your benefits with you on your first visit. We will also bill your insurance company on your behalf, and only collect the amount deemed your responsibility by your insurance plan.
Is Physical Therapy covered by my insurance?
All insurance plans vary in restrictions and requirements, please contact your insurance company for specific coverage questions. You can call the number on your insurance card or visit your provider’s online portal for Physical Therapy benefits. Some important benefit information to collect is:
- Any unmet deductible
- Co-pay or co-insurance amounts
- Pre-authorization requirements
- Annual visit limitations
- Maximum dollar amount in coverage
- Primary care physician limitations
What do the insurance terms mean?
1. Deductible: The amount an individual owes for covered health services before your health insurance plan begins to pay.
2. Co-insurance: The share of costs, usually a percentage that an individual pays after a deductible has been met.
3. Co-payment: The fixed amount the insurance company requires the patient to pay per visit prior to treatment based on the contract you have with your insurance company. Some people may not have a co-payment. Many co-payment amounts are listed right on your insurance ID card but you can also contact your insurance company for the specific amount. Co-payments can be made by cash, check or credit card.
What if I do not have insurance coverage for physical therapy?
We offer a cash rate program for all physical therapy services. Give us a call to inquire about our affordable cash rates and any other options available to you.