Most people’s plans have insurance coverage for physical therapy. Please call us so that we can verify that we are in network with your plan. Here is a partial list of some of the plans we accept:
- Medicare
- Independence Blue Cross
- Personal Choice
- Keystone 65
- Highmark Blue Cross / Blue Shield
- Horizon Blue Cross
- Capital Blue
- United HealthCare
- Cigna
- Humana
- Aetna
- Tricare
- Workman’s Comp / Automobile Insurance
Health Insurance Terms
- Co-insurance: in indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of charges.
- Co-payment: in managed care, the monetary amount to be paid by the patient, usually expressed in terms of dollars.
- Deductible: the portion of medical costs paid by the patient before insurance benefits begin.
- Denial: refusal by insurer to reimburse services that have been rendered; can be for various reasons.
- Eligibility: the process of determining whether a patient qualifies for benefits, based on factors such as enrollment date, pre-existing conditions, valid referrals, etc.
- Exclusions: services that are not covered by a plan.
- Flexible Spending Arrangements (FSAs): an account that allows employees to use pre-tax dollars to pay for qualified medical expenses during the year. FSAs are usually funded through voluntary salary reduction agreements with an employer.
- Health Maintenance Organization (HMO): a form of managed care in which you receive your care from participating providers.
- Health Savings Account (HSA): a savings product that serves as an alternative to traditional health insurance. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
- Open Enrollment: A time of year when you can enroll in health insurance or change from one plan to another without a qualifying event.
- Payer: the party who actually makes payment for services under the insurance coverage policy. In the majority of cases, the payer is the same as the insurer.
- Policyholder: purchaser of an insurance policy; in group health insurance, this is usually the employer who purchases policy coverage for its employees.
- Preferred Provider Organization (PPO): a form of managed care in which the member has more flexibility in choosing physicians and other providers.
- Premium: the cost of an insurance plan shared by employer and employee.
- Provider: one who delivers health care services within the scope of a professional license.
- Reimbursement: refers to the payment by the patient (first-party) or insurer (third-party), to the health care provider, for services rendered.
Reference: www.apta.org
Need More Information?
We know that the health payment process can be complex and confusing. Here is an excellent video that explains general concepts about insurance coverage.
