Insurance and Payment
MEDICARE
We are an approved Medicare provider and accept Medicare and secondary insurance that supplements Medicare Part B. We accept Medicare Advantage plans that are PPO, POS or Open Access. If you are on Medicare, we will bill you directly only for those services that are deemed “non covered”.
PRIVATE INSURANCE
Although we are out of network with most insurance companies, many do offer out of network benefits including but not limited to Aetna, Blue Cross, United Healthcare, GHI, Empire Plan, Cigna. If your carrier allows for assignment of benefits, we will, as a courtesy bill them directly first and bill you for any deductible, co-insurance or balance not paid by your carrier. If you are not sure, we can also call to verify your benefits. If assignment of benefits is not allowed, payment is expected directly from you. We can provide you with fully coded receipt and you can seek reimbursement from your carrier, although we make no representation that you will be reimbursed in part or in full.
PRIVATE PAY
We accept credit cards, cash, and checks.
FLEXIBLE SPENDING ACCOUNTS AND HEALTH SAVINGS ACCOUNT
According to IRS Pub 502, Physical therapy services are eligible for reimbursement from flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), dependent care flexible spending accounts (DCFSA) and limited care flexible spending accounts
( LCFSA). We are happy to provide you with a bill for submission and on a case-by-case basis may be able to process payment from them directly.
NETWORK GAP EXCEPTIONS OR SINGLE CASE AGREEMENTS
A network gap exception is a tool health insurance companies use to compensate for gaps in their networks of contracted healthcare providers. Since so many physical therapists are not in network, this has become a tool to use we can on a case-by-case basis for families. If your carrier allows for exception requests or single case agreements will are happy to help you fill out the required paperwork for approval.
OTHER OPTIONS
On a case-by-case basis, we may be able to offer you a prepay discount for longer term treatment.
On a case by case basis, with demonstrated need, we may be able to offer you a financial hardship partial waiver.
Please do not hesitate to reach out to us in confidence.
Please note – we do not accept Medicaid or No Fault MVA insurance 