Today’s insurance climate is an ever-changing environment. It is your responsibility to fully understand all the details of your specific plan. We will check your benefits on the online portal from your insurance company, this information is usually correct but there may be nuances that are not portrayed on the site.

 

If you have a deductible, you must meet this out-of-pocket expense before your insurance company will start to pay for your treatment. You can obtain this information from your insurance customer service representative.

 

Your office copay is due at the time of service. We ask that you have a credit card on file so that at every visit we may charge your copay without having to slow you from your therapy session. This card will be kept on our secure site and only copays will be charged to this card unless you tell us to use this card to pay another expense (such as deductible, co-insurance, or supplies). The copay amount on your card may not be the copay for physical therapy visits. Verify this information with your insurance customer service representative. Again, we will check the insurance portal as well for this information. 

 

Your co-insurance amount is the amount not covered by your insurance plan. You can obtain this information from an insurance customer service representative or it will be stated on your Explanation of Benefits (EOBs) that come from the insurance company.

 

If your insurance policy requires a prescription from your primary care physician (PCP) or non-physician (NPP), you must obtain a current prescription from your plan to pay for physical therapy services and a current prescription for the duration of your physical therapy care.

 

If your policy requires a referral or pre-authorization (PA), you will need to contact your PCP and ask that a current copy be sent to both your insurance company and our office.

 

BE AWARE: Prescription, referral, and PA have expiration dates and/or a set number of visits. Check to be sure your paperwork has not expired prior to your visit. We will assist you in tracking expiration dates on prescriptions, referrals, and PA once you have begun care with us.

 

Keep in mind, physical therapy benefits can be deemed utilized by your insurance company if the same billing codes are used by other services such as occupational therapy, speech therapy, massage therapy and/or acupuncture. In addition, naturopathic, physical medicine and chiropractic offices can provide and bill for physical therapy codes. These services can be paid out of the same benefit limit. Please check with your insurance company when you see multiple practitioners. It is your responsibility to track services received from other practitioners in other clinics. If you exceed your plan limits, you are responsible for payment of the services not covered by your plan.

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We accept most insurance plans*:

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• Premera (Blue Cross)

• Aetna

• Regence (Blue Shield)

• Blue Cross / Blue Shield (BCBS)

• First Choice

• Cigna

• Aetna MedAdvantage PPO

• Regence MedAdvantage PPO

• LifeWise

• Kaiser Options or Kaiser PPO 

• Labor & Industries (Darshita and Molly only)

• First Person Personal Injury Protection (PIP)

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We DO NOT ACCEPT:

• Medicare (Red, White, and Blue Card)

• DSHS or Medicaid

• Kaiser Core

• United Healthcare (please see additional details here)

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*If you don't see your plan, please give us a call to verify.

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Note: We do offer some services on-demand that are not eligible for insurance payment.

 

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