Insurance & Self-Pay Information

Insurance Information

We are proud in-network providers 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 always add 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 get in touch with one of our convenient locations if you are interested in our self-pay options.

Understanding your statement and bill

We are always here to try and help you understand your billing statement. The below coding is how specific things you are given are billed. Should you have questions, please don’t hesitate to ask your front office team at your location.

  • Neuromuscular Re-Education:

    Neuromuscular re-education is a technique used by physical therapists to facilitate the return of normal movement, muscle memory, and coordination.

  • Some examples of neuromuscular re-education are;
    • Balancing exercises and activities
    • Strengthening exercises using manual resistance
    • Stabilizing exercises to balance the muscles around the joints
  • Therapeutic Exercise:

    Therapeutic exercises are activities and exercises that are designed to target specific muscles or muscle groups. Some examples of therapeutic exercises focused on strengthening muscles are:

    • The use of dumbbells and hand weights
    • The use of Therabands
    • The use of one’s own body weight as resistance

    Some of these exercises also focus on more specific and equally necessary goals, such as passive range of motion. Some examples of therapeutic exercises that focus on passive range of motion activities are:

    • Table slides
    • Incorporating pulleys or the use of a cane
    • Heel slides
    • Cardio activities; such as biking, rowing, treadmill regimen and incorporating an elliptical machine
  • Manual Therapy:

    Manual therapy involves your physical therapist working on you with his or her hands. Some examples of manual therapy are:

    • The stretching of joints and/or muscles
    • Specific massage techniques
    • The use of Graston tools
    • Trigger point release techniques
    • Trigger point release techniques

Questions to ask your insurance provider

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