As the year comes to a close, it’s the perfect time for our clients who rely on insurance for physical therapy (PT) services to make the most of their coverage. If you’ve met or are nearing your deductible or “out-of-pocket maximum,” commonly associated with most commercial PPO plans, now is the opportune moment to prioritize your well-being.

For those who have already met their deductible, the cost of a single PT treatment could range from FREE to around $25 depending on the specifics of your insurance plan.

By this time of the year, it’s highly probable that many of our clients with PPO or Medicare plans have either met their deductible or are on the verge of reaching it.

But how does this benefit you?

Taking advantage of low costs is the key. Once your deductible is met, insurance providers typically cover a significant portion of your bill through a process known as coinsurance. Most plans feature coinsurances ranging from 0% to 30%, wherein the insurance provider bears the remaining balance. This translates to potential savings of anywhere from FREE to roughly $25 for a single treatment!**

If you’re curious about the specifics of your plan, our Client Care Coordinator is ready to assist. Call or text our office at (949) 502-3388 to learn more about your end-of-year benefits.

For additional insights into insurance and a comprehensive understanding of the subject, refer to our previous blog post “Understanding Medical Insurance & Physical Therapy Benefits“.

**Note: Deductibles do not apply to PPO plans with copays or to clients paying in cash.