One of the most common questions patients have when talking about starting a course of care with a new physical therapist is, “do you take my insurance?”
Physical therapy (PT) is typically a covered service under most insurance plans as it is considered medically necessary in the treatment of injury, illness, and for post-operative rehab.
Depending on the type of insurance you have, the coverage you have for physical therapy utilization will vary. When selecting a physical therapy provider, the status of the provider as an “in-network” versus “out-of-network” provider can also affect how your insurance will play a role in payment for services.
While at first glance it can seem like an out-of-network provider will come at an additional cost, that turns out not to be the case for most patients. Here are some of the main points to consider when selecting your Physical Therapist.
The Basics of Using Your Insurance Coverage for “In-Network Physical Therapy”
How it Works to Go “Out-of-Network” for Physical Therapy
An out-of-network provider is defined as a provider that does not have a contract with an insurance provider and is therefore not covered in the insurance company’s network. Since the provider is not a part of the insurance provider’s network, many of the restrictions listed above do not apply. Here are some important benefits to using an out-of-network provider:
Deciding between In-Network and Out-of-Network
While on the surface, it appears that going out-of-network can be a more costly decision for physical therapy, but taking a closer look at a total course of care and what you are getting as a patient reveals a different story. Let’s take the following as an example: A patient is prescribed physical therapy 3x per week for 6 weeks, here are two routes they may take.
In-Network PT Provider
Out-of-Network PT Provider
In Summary
Many factors go into deciding which provider to choose for physical therapy. While one of the most common questions patients have is “do you take my insurance,” a provider that takes your insurance may end up being more expensive and being unable to provide you with the same one-on-one care that you will find with an out-of-network provider. The time, dedication, and individual focus you will receive from an out-of-network provider is well worth the investment to ensure you’re getting the best care that’s available when you’re in need of PT.
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