Ⓒ 2019 THRIVE PHYSICAL THERAPY SAN DIEGO

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INSURANCE FAQS

PHYSICAL THERAPY

QUESTION: Does Thrive Physical Therapy accept insurance?

  1. We do not accept insurance, which means you’re responsible to pay before or at time of visit. We accept cash/debit/credit card and may be able to accept your HSA/FSA. But, if you have out of network benefits, we can provide you a Superbill that you may be able to submit to your insurance company for direct reimbursement. (FYI: a Superbill is a document that has all the information your insurance would need to reimburse you, if they offer reimbursement. We would print or email this to you and you would send it to them.) Please check with your insurance company to fully understand what your out-of-network coverage for physical therapy will be and get an estimate of what you’ll be reimbursed. Do this prior to your first visit.  

QUESTION: What should I ask my insurance company prior to my first visit?

  1. Does your insurance company require any authorization or referral from another medical professional in order for this to be reimbursed?

  2. Which ICD-10 Codes are covered/reimbursable and which are not covered/reimbursable? (FYI: ICD-10 codes are Diagnoses Codes. Physical Therapists use these when documenting the issue you’re coming in for.)

  3. Which CPT Codes are covered/reimbursable and which are not covered/reimbursable? (FYI: CPT Codes are Treatment Codes. Physical Therapists use these when documenting the type of treatment performed with you.)

  4. Is your out-of-network deductible different from your in-network deductible? How much of that deductible has already been met?

  5. What % is your responsibility before and after your deductible has been met?

  6. What is your annual visit limit for out-of-network services? Is there an annual visit limit specifically for out-of-network Physical Therapy services?

Based on this information, you should be able to get an idea if, or how much, your insurance company will reimburse you, after your visit/s with me.