We are in-network providers for most major insurance plans. However, dealing with health insurance plans can sometimes be complicated, that’s why we are encouraging you to know your physical therapy benefits before you attend your first visit with us.
In order for us to best serve you, we recommend that you contact your insurance company directly (see the toll-free number on the back of your card). When you call, make sure to tell the agent you are requesting benefit information for “Facility Physical Therapy”. This should ensure accuracy, as they often have different benefit levels based on the location and type of practice (e.g. hospital, at home, rehabilitation center or outpatient facility).
The Key Information You Need
- We accept most insurances at our standard rates. We also accept worker compensation, auto insurance, and cash pay
- What is my co-pay or co-insurance? (This is the amount you have to pay each visit)
- What is my deductible amount? (This is your annual out-of-pocket expense for medical care before the insurance company will pay anything)
- How much of my deductible have I met? (Until this is met, you will be responsible for full payment at time of treatment)
If you have already met your deductible for the year, then now is the ideal time to take care of any pain and physically limiting problems before a new plan year (and new deductible) start.
There are Two Aspects to Dealing with Insurance Companies
- The contract that an individual has with them
- The agreement that a physical therapy provider may have with the insurance company
Physical Therapy providers are not a party to the agreement between an individual and his/her insurance company. That is why it is important for you to call your insurance company and get a clear understanding of exactly what your plan will cover. Often people are surprised at how good or poor their benefits are relative to their monthly premium. Having this information will allow you to know prior to coming to Physical Therapy what cost you will have for services received.
ARC Physical Therapy has entered into agreements with many insurance companies that will provide a discount from our regular fee schedule to you, their members. We do not have this agreement with all companies in part because there are an inordinate number of insurers and the process is very lengthy, largely in part because some reimbursement rates are unacceptably low. To agree to excessively discounted rates would affect the standard of care you deserve and ultimately your health and personal goals. We are not willing to compromise your care and health by entering into contracts that force us to reduce the level of care you deserve. If we do not contract a discount rate with your insurer it is for one of the reasons above.
ARC Physical Therapy has contracted with Blue Cross Blue Shield, Medicare, Humana, and approximately 30 other Insurance Companies (a full list is available upon request) to provide in-network benefits to their members.
Health Insurance is Complicated
If we are not “in network” with your insurance company you can still receive therapy from us. It usually costs more per visit to do so depending on your insurance plan. If you are in an “HMO”, special rules apply. When you call your insurance company they will be able to give you this information. Please keep in mind that if we are not in-network, it may cost more each visit to come to ARC Physical Therapy, but our expertise often resolves problems faster. Fewer visits means it may end up costing you less overall. This especially rings true if your problem is causing lost time from work, expensive medications and perhaps the prospect of surgery. Sometimes going “out of network” is really cheaper if you’re in the right hands.
We hope you find this information useful. We will assist you in any way we can to help clarify benefits and any confusion so that you may promptly receive the care you deserve.