FAQ

Common Insurance Frequently Asked Questions

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Insurance FAQs

Please Verify Your Insurance Benefits

The information we receive from insurance companies is only an estimate — not a guarantee of coverage or payment.

For the most accurate details, we strongly recommend contacting your insurance provider (you can find the number on the back of your insurance card) directly to confirm:

  • Your deductible, copay, or coinsurance amounts
  • Visit limits or shared therapy caps
  • Any referral requirements
  • Our in-network status

Our intake paperwork states that patients are responsible for any portion not covered by insurance — including services denied due to benefit limits or policy rules. Verifying your benefits in advance helps avoid unexpected charges.

We currently accept Medicare and all major PPO insurances including Aetna, Anthem Blue Cross, Blue Cross Blue Shield, Cigna/ASH, and United Healthcare. We also accept Altamed HMO insurance, Worker’s Compensation, and Tricare for both active and retired military. We are always looking for new HMO and PPO contracts, so please let us know if you have a unique plan and we will make every effort to join the network. Visit our resources page to learn more.

Every insurance plan is different. Some plans include deductibles, in which you are responsible for all physical therapy costs until the deductible is met. The average cost per visit is about $125-150 for an evaluation and roughly $75 for each follow-up visit. Other insurance plans include a co-insurance, in which your insurance will pay for a portion of your treatment sessions. The percentage insurance will cover is dependent on your specific plan.

If you decide to pay for physical therapy services without using insurance, you can see our pricing under the “Resources” tab.

This completely depends on YOUR specific insurance plan. Our Client Care Coordinator will verify all benefits prior to your first appointment, and will inform you if a referral is required.

REQUIRED: Medicare, Altamed (HMO), Worker’s Compensation (i.e. One Call, Corvel, Medrisk, Onsite Physio), Tricare, Personal Injury/Lien

MAY BE REQUIRED: Aetna, Anthem Blue Cross, Blue Shield Blue Cross, Cigna, United PPO

We do offer affordable non-insurance rates, which you can find under the “Resources” tab. If you need more than one session, we have a variety of packages to make it cheaper for you to continue care. We are committed to ensuring that we have the most competitive rates in the physical therapy market.

A prescription from a medical doctor or dentist is a recommendation for physical therapy evaluation and treatment, not a guarantee. It may or may not specify a frequency and duration (e.g. 2x/week for 4 weeks). Even in instances where a frequency and duration is listed, your physical therapist may continue or determine the plan of care based on your evaluation. However, insurances may have specific limitations to the total amount of physical therapy visits allowed per year regardless of the plan of care established by your physical therapist.

Insurance still decides:

  • If physical therapy care continues to demonstrate medical necessity
  • How much they’ll cover
  • What portion is your responsibility (copay, coinsurance, deductible)

In-network means we’ve agreed to your insurance’s pricing and do accept your specific insurance plan, but not that physical therapy services are completely covered by your insurance.

Most insurance plans will include:

  • A copay (flat fee per visit)
  • Or coinsurance (a percentage of service costs that are shared by you and your insurance plan)
  • a deductible (a dollar amount that must be paid out of pocket before insurance will cover services)

Secondary insurance helps, but it doesn’t always pay the remaining balance of physical therapy service costs. These secondary plans are run after the claim is returned from your primary insurance.

Reasons you may still owe:

  • Primary insurance didn’t cover everything
  • Secondary has a deductible, limits or denied part of the claim

We will always bill both insurances whenever possible.

We verify your insurance benefits up front and prior to your evaluation, but insurance companies only provide our office with general estimates. They don’t guarantee payment until the claim is processed. We’ll always do our best to give you accurate info and notify you of any changes.

Here’s the timeline:

  • Claims are submitted by Accelerate Physical Therapy within 1 week
  • Insurance typically takes 2–4 weeks (or more) to respond
  • If they reduce or deny payment, we bill you for the remainder of the balance

We don’t send bills until insurance processes all claims.

  • Deductible: What you must pay out of pocket before insurance starts helping
  • Copay: A fixed amount per visit
  • Coinsurance: A percentage you owe after meeting your deductible
    You may have one, two, or all three — it depends on your plan.

This depends on your specific insurance. You may have:

  • A set number of visits per year
  • A shared limit with other therapies (Occupational Therapy, Speech Therapy)
  • Authorization or progress reviews after a certain number of physical therapy visits. We help track this, but always recommend double-checking with your plan.

Copays are fixed fees for certain services (like office visits) and are separate from your deductible.

They usually do not count toward the deductible because they are not part of the cost-sharing structure used for larger medical expenses.

However, copays often do count toward your out-of-pocket maximum, which is the total amount you may pay in a year.

Schedule an Appointment

Schedule a 45-minute one on one session with one of our Doctors of Physical Therapy and get started on your path to recovery.