Insurance
**THIS IS NOT INTENDED TO BE A GUARANTEE OF BENEFITS OR LEGAL DESCRIPTION**
We are Preferred Providers for:
- First Choice Network (which includes: Guardian, Retail Clerks, Teamsters, John Alden and many others)
- Medicare
- Premera Blue Cross (including Health Plus)
- Regence Blue Shield
- Uniform Medical
- WA State Labor and Industries
- All Motor Vehicle P.I.P. Insurance (Safeco, Pemco, Allstate, State Farm, etc.)
We are Out of Network* for:
- Aetna/US Healthcare
- Coventry Healthcare Products – including Private Healthcare Systems, United Healthcare, Pacificare, Secure Horizons and First Health
*We can bill these plans, but benefits will be processed as Out Of Network. Please consult your individual benefits to see if you have out of network benefits.
Important Note. Being a preferred provider does not guarantee reimbursement from your insurance company. We strongly recommend that you check with your individual plan for eligibility, requirements and policy limits for physical therapy services (sometimes referred to as rehabilitative services). You can usually call the number on the back of your insurance card and ask about your benefits for physical therapy. At a minimum, you will likely need to have a written prescription and/or referral for physical therapy from your physician, chiropractor, or naturopath. Provider contracts are subject to change; please verify status at time of service.
Tell me more about insurance billing for physical therapy. We know that understanding insurance benefits for physical therapy can be confusing. At Balance Physical Therapy we would like to help you with that hassle as much as possible. Our billing office will be happy to help answer any questions you may have.
How do insurance payments work for physical therapy? We send a bill to your insurance company. If you meet all the requirements of your individual insurance plan then your insurance company pays us directly and tells us how much you owe. We then bill you the amount that your insurance company tells us. This is called the "patient responsibility". The portion you will owe depends on your individual insurance plan. Amounts of insurance coverage for physical therapy vary, it is ultimately your responsibility to understand how much your plan covers.
What does meeting my deductible mean? Every insurance plan has a unique amount that must first be paid by the patient before the insurance company will begin to pay for claims. This amount is usually met each calendar year. You may see a bill from us saying that you owe a certain amount and that it was applied to your deductible.
What is a co-pay? Some insurance plans have an amount that you must pay at the time of service of each doctor or specialist visit. This amount is due each time you come to physical therapy. Usually your insurance card will have this information on it. Please note, a "co-pay" is different than the "patient responsibility" amount.