In addition to your monthly premium that you pay for health insurance there are other out of pocket expenses that can and do arise when visiting a Health care provider such as a Physician or a Physical Therapist. If you are new to purchasing an insurance plan you may not be aware that YOU are responsible for what you buy. There are options to choose from based on coverage and amount of deductible you want to pay. The more the monthly premium costs the less costly the deductible or co pay or co insurance expense will be. If you spend alot of time in Physical Therapy and do not want a high co pay or high deductible then you would buy a more expensive plan that covers your needs more accurately. If you do not have a need for Physical Therapy services you will more likely obtain a plan that is inexpensive with a high deductible or high co pay. What is a Co pay? A co pay is what the insurance plan you purchased requires you to pay each visit to obtain services. It is not the amount determined by a health care provider. What is a deductible? a deductible is an out of pocket expense that the patient needs to pay according to the insurance plan they purchased so that they can pay for health care before health insurance benefits start paying for covered services. What is an Out of Pocket Maximum? Another out of pocket expense for the insured person. Typically means that once the deductible is met then the insurance plan pays 80/20( for example) until the maximum is met. Once met then the plan pays 100%. It is usually a good idea to study the plans you pay for so that no sudden surprises hit you when seeking healthcare.

There are some insurance plans that reimburse at such a low rate that we are just not able to work with them and maintain a high level of care. Health Insurance is not health care.

We offer reasonable self pay rates and your investment will likely get you the results you expect. Please contact us to discuss self pay rates if we do not accept your insurance.