Insurance & Self-Pay Information

Insurance Information

We are proud in-network provides for most insurance plans, however, every location is a little different for in-network providers. As a courtesy to all of our patients, we will verify your health benefits prior to your arrival to determine if there will be a copay, deductible, or coinsurance for therapy services.

For those patients who do not have health insurance or those who have maxed out their benefits, we offer a private pay plan. Please contact HealthQuest Physical Therapy today for more information on our fees for service and payment details.

HealthQuest is a proud in-network provider of the following insurances, keeping in mind that some insurances may be in-network at some locations and not others:

  • AARP
  • Aetna
  • Auto Claims
  • Blue Cross Blue Shield
  • Blue Care Network
  • Cigna
  • Equian
  • First Health
  • Galaxy Health Network
  • HAP
  • Humana
  • Humana Military
  • McLaren
  • Medicare
  • Medicare Plus Blue
  • MultiPlan
  • PHCS
  • Priority Health
  • Theramatrix
  • TRPN (Three Rivers Provider Network)
  • Tricare (Military)
  • United American
  • United Health Care
  • US Health and Life
  • USAA
  • VA (U.S. Department of Veterans Affairs)
  • Workers’ Compensation

Disclaimer: While this is an extensive list, health plans do change regularly without prior notification. We recommend that you verify with your health plan what physical therapy benefits you have available. In an effort to help you review your outpatient rehabilitative insurance benefits with your primary and/or secondary insurance, we have put together some key questions to ask your insurance provider(s). Your insurance provider(s) should always be your main source of information.

If your plan is not listed, please call us at 855-477-8463, as we are always adding new insurance plans.

Self-Pay Options

HealthQuest Physical Therapy offers self-pay options for patients who do not have insurance or do not want to use their insurance. We offer discounted, package pricing to make getting the care you need affordable. No prescription is required for self-pay treatment. Please contact one of our convenient locations, if you are interested in our self-pay options.

Frequently Asked Questions

The following are some of the questions you may want to ask your insurance provider when speaking with them:

  1. Is outpatient physical therapy services covered under my policy?
  2. Do I have a co-pay for outpatient therapy? If so, what amount is the amount?
  3. Do I have one co-pay per calendar day or one co-pay for each service provided on a day?
  4. Example: If you have a $20 co-pay, and receive physical and speech therapy on the same day, do you pay $20 or $40.
  5. Does the plan limit the number of therapy visits in a calendar year? If so, how many? Is this number for each service or combined for multiple services? If combined which services?
  6. Does your plan require prior authorization before beginning therapy services?


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