Insurance
We know that the world of insurance coverage can be confusing, so we have tried to give you a few informative definitions to assist you in understanding your benefits. Per our contracts with insurance companies, we are required to collect co-pays, co-insurances, and deductibles at time of service.
Co-pay: A copay is a flat fee that you will pay at every visit to our office. This amount usually does not change with each visit, however certain plans require an additional coinsurance on evaluations/re-evaluations.
Co-insurance: A co-insurance is a percentage that you will pay of your charges. Your charges may differ from visit to visit because they depend on which procedures were performed on that day. Because your co-insurance is a percentage of that total charge, the amount you pay may differ as well. We calculate total charges based on the contracted fees that we have with your insurance company, so an adjustment is made before collecting your percentage.
Some insurances have a flat, per visit rate for physical therapy services. In these instances, your percentage would result in the same fee each time because the charge visit does not vary based on procedures performed.
Deductible: A deductible is an amount that your insurance requires you to pay directly to providers before your insurance company will pay its portion of the benefit. The deductible can apply to multiple services, so often you will meet it through a combination of charges from different offices. You would be required to pay the full charges of your visit (adjusted based on our contracted fees with your insurance company) until your deductible is met.
If you believe that you have already met your deductible elsewhere, please let our billing department know and we can explain your options to you.
Visit Limits: Some plans specify a limit on the number of physical therapy visits allowed per plan year. Once you have exhausted your visit limit, your insurance will often not pay for additional visits. We are happy to assist you in planning ahead in these situations, so that we can come up with an effective plan for your optimal recovery.
Co-pay: A copay is a flat fee that you will pay at every visit to our office. This amount usually does not change with each visit, however certain plans require an additional coinsurance on evaluations/re-evaluations.
Co-insurance: A co-insurance is a percentage that you will pay of your charges. Your charges may differ from visit to visit because they depend on which procedures were performed on that day. Because your co-insurance is a percentage of that total charge, the amount you pay may differ as well. We calculate total charges based on the contracted fees that we have with your insurance company, so an adjustment is made before collecting your percentage.
Some insurances have a flat, per visit rate for physical therapy services. In these instances, your percentage would result in the same fee each time because the charge visit does not vary based on procedures performed.
Deductible: A deductible is an amount that your insurance requires you to pay directly to providers before your insurance company will pay its portion of the benefit. The deductible can apply to multiple services, so often you will meet it through a combination of charges from different offices. You would be required to pay the full charges of your visit (adjusted based on our contracted fees with your insurance company) until your deductible is met.
If you believe that you have already met your deductible elsewhere, please let our billing department know and we can explain your options to you.
Visit Limits: Some plans specify a limit on the number of physical therapy visits allowed per plan year. Once you have exhausted your visit limit, your insurance will often not pay for additional visits. We are happy to assist you in planning ahead in these situations, so that we can come up with an effective plan for your optimal recovery.
