Do you take my insurance?
Yes! We accept most major health insurances and are in network with Medicare and Medicaid. If you have any insurance questions or concerns, feel free to give us a call to ask! We’re happy to help you understand your coverage before you begin treatment so that there are no surprises.
Colorado is a “DIRECT ACCESS” state. This means that legislation in Colorado was passed allowing licensed physical therapists to evaluate and treat patients without first seeing a physician. Likewise as a “Direct Access” patient you do not need a prescription from your physician to receive out-patient physical therapy. However, some insurance plans do require you to have a prescription from your physician in order for outpatient physical therapy services to be covered and paid for by the insurance carrier.
As a “DIRECT ACCESS” provider physical therapists can truly provide direct access for diagnosis of, interventions for, and prevention of impairments, functional limitations and disabilities related to movement functionality. Physical therapists are experts in proficiently evaluating a patient's musculoskeletal condition; and if appropriate, safely and effectively treating the patient. Physical therapists are highly-trained healthcare professionals, educated at the baccalaureate and post-baccalaureate level with extensive clinical training. Physical therapists have a proven track record of effectively treating millions of patients.
Physical therapists are also well-qualified to recognize when patients demonstrate conditions that should be evaluated by other healthcare professionals. We will suggest a referral to other health care professionals if necessary. In addition, with your permission, we will send our results to your physician and will work in conjunction with him/her.
-American Physical Therapy Association
My insurance provider isn't listed above, can I still receive treatment?
Absolutely! If your insurance provider is out-of-network, that only means that we don’t have a specific, pre-negotiated contract with them. Fortunately, most insurance companies offer out-of-network benefits which very often cover a significant portion of your treatment costs, although the percentage may differ compared to a provider that is in-network. We know that maneuvering through your physical therapy benefits can be confusing, but we’re here to help (seriously, we do this all day). We’re happy to call your insurance company on your behalf to help you figure it out.
Am I responsible for a co-pay at the time of visit?
Coverage under each plan varies significantly but we can contact your insurance provider prior to your first visit to see what your benefits include. It’s possible that you’ll be responsible for a copay—a set amount each visit that you pay in addition to what your insurance pays—or a coinsurance amount. Either way, we’ll let you know.
What is coinsurance?
Depending on your coverage (not applicable to everyone), coinsurance is your share of the costs of a health care service, not due at the time of service but billed later. It’s a percentage that kicks in after you’ve reached your plan’s deductible. Ex: Your insurance might pay 80% and you would be responsible for 20%.
What is a deductible?
An insurance deductible is the amount of money that your insurance provider sets that you have to meet or exceed before it will start covering your services. For example: If your deductible is $500, you have to spend $500 of your own dollars before they cover any of your expenses. Until you meet that deductible, you’re responsible for the full price of your visit.
*Your insurance contract is an agreement between you and your insurance carrier. As required by most insurance carriers, you are responsible for the payment of deductibles, co-payments and any non-covered services at the time of your office visits. It is your responsibility to know your coverage details. Please remember that regardless of insurance coverage, you are responsible for your bill.