Physical therapy is probably next on your list if you’ve recently experienced an injury or had surgery. While physical therapy is usually covered under most health insurance plans, there may be out-of-pocket costs. To avoid surprises during the physical therapy process, it’s best to check with your insurance company before beginning treatment. Here are some questions to ask your insurance company about physical therapy.
Is Physical Therapy Covered Under My Insurance Plan?
The first thing to ask your insurance company is if physical therapy is covered. Physical Therapy is seen as a necessity for most insurance companies, so most plans cover it. Since most insurance plans do cover physical therapy, chances are it is. Physical Therapy is seen as a necessity for most insurance plans. However, depending on your health insurance type, you may need to seek a referral from your primary doctor first.
What are my out-of-pocket costs for physical therapy?
Even if physical therapy is covered in your health insurance plan, you may still be responsible for some out-of-pocket costs. Ask your insurance company if you have a copay for physical therapy appointments and what those costs are. Also, ask if you must hit a certain out-of-pocket limit before costs are covered.
What if I choose a physical therapist that isn’t in my network?
If you have an insurance plan that requires you to see providers within a network, your chosen physical therapist may not be covered. However, some plans may have partial coverage for a facility out of network. Be sure to give your insurance company the name of your physical therapist to determine your costs. You can always opt to pay for services out of pocket if your physical therapist of choice is not included in your network.
Ready to get started with physical therapy? Our professional physical therapists are standing by. Give Activity First a call today.