What exactly is private pay?
The short answer is that we have a relationship with our patients, not with the insurance company. We accept cash, check, debit and credit cards, as well as HSA and FSA cards for payment. However, we are dedicated to our patients and providing them with the best care so we do help our patients utilize their out-of-network benefits to meet their deductible and receive reimbursement.
We know how confusing it can be to understand what your health insurance benefits are, so we are here to help you navigate this process. We will sit down with you to call your insurance company and help to determine your out-of-network benefits and figure out what that means for you and your treatment plan.
We want to show how easy it is to handle this process and have broken down the act of submitting for reimbursement into 3 simple steps.
1. Contact your customer service representative.
This is the number that is on the back of your insurance card (usually around where it will say customers or members). This is the number that you will call to ask about your benefits.
2. What will I say when I call?
You are going to want to ask about your out of network physical therapy benefits. They may give you information on your deductible, coinsurance, allowed amounts all depending on your insurance plan. You will also want to ask about the difference between in-network and out-of-network PT benefits (they may not be that different!) This is the part where it can be beneficial to have your physical therapist with you.
3. File the claim
Many times you can either do it electronically through your insurance portal, or send it in the mail. Either way, we will provide you with the medical claim form and the superbill to submit to your insurance.
If going through your insurance is imperative for you, it's important to know what your benefits are so we can determine whether our services are right for you. We are here to answer any questions you might have and look forward to connecting with you!
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