As a courtesy to 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. At Physical Therapy and Hand Rehabilitation, there are a wide variety of different healthcare plans that we accept. Do you have one of these insurance plans? We gladly accept the insurance plans listed below. If your plan is not listed, please call us as we are always adding new insurance plans.
We have included most of the major plans with which we are in-network; however, this is not an all-inclusive list. Please call one of our offices to verify other insurance plans.
Insurance Info
First Health
Fiserv Health
Golden Rule
Great West
Humana
Aetna
Aetna Better Health
Blue Cross Blue Shield (All Plans)
Cigna
Automobile Accident coverage
Coventry
Medicare
Medicaid
PHCS
Tricare
GEHA
TrilWest
Veteran's Choice
VA CCN
AmeriHealth
Workers Compensation
One Net
United Healthcare (All Plans)
Johns Hopkins Employee Health Plan
Johns Hopkins Priority Partners
University of Maryland Medicare Advantage
University of Maryland Health Partners
Maryland Physicians Care
Please contact Physical Therapy and Hand Rehabilitation today for more information on our fees for service and payment details.
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.
Understanding Insurance Coverage
We know that the health payment process can be complex and confusing. Here is an excellent video that explains general concepts about insurance coverage.
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Health Insurance Terms
Below, you will see a list of terms that pertain to insurance coverage and payment for health services.
Co-insurance: In indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of chargesCo-insurance: In indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of charges
Co-payment: In managed care, the monetary amount to be paid by the patient, usually expressed in terms of dollars.
Consumer Driven Health Care (CDHC): Refers to health plans in which employees have personal health accounts such as a health savings account, medical savings accounts or flexible spending arrangement from which they pay medical expenses directly.
Deductible: The portion of medical costs to be paid by the patient before insurance benefits begin, usually expressed in dollars.
Denial: Refusal by insurer to reimburse services that have been rendered; can be for various reasons.
Eligibility: The process of determining whether a patient qualifies for benefits, based on factors such as enrollment date, pre-existing conditions, valid referrals, etc.
Exclusions: Services that are not covered by a plan.
Flexible Spending Arrangements (FSAs): An account that allows employees to use pre-tax dollars to pay for qualified medical expenses during the year. FSAs are usually funded through voluntary salary reduction agreements with an employer.
Gatekeeper: In managed care, it refers to the provider designated as one who directs an individual patient’s care. In practical terms, it is the one who refers patients to specialists and/or sub-specialists for care.
Health Maintenance Organization (HMO): A form of managed care in which you receive your care from participating providers.
Health Savings Account (HSA): A savings product that serves as an alternative to traditional health insurance. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
Managed Care: A method of providing health care, in which the insurer and/or employer (policyholder) maintain some level of control over costs and utilization by various means. Typically refers to HMOs and PPOs.
Member: A term used to describe a person who is enrolled in an insurance plan; the term is used most frequently in managed care.
Open Enrollment: A set time of year when you can enroll in health insurance or change from one plan to another without benefit of a qualifying event.
Out-of-pocket: Money the patient pays toward the cost of health care services.
Payer: The party who actually makes payment for services under the insurance coverage policy...
Policyholder: Purchaser of an insurance policy; in group health insurance, this is usually the employer who purchases policy coverage for its employees.
Preferred Provider Organization (PPO): A form of managed care in which the member has more flexibility in choosing physicians and other providers...
Premium: The cost of an insurance plan shared by employer and employee.
Provider: One who delivers health care services within the scope of a professional license.
Reimbursement: Refers to the payment by the patient (first-party) or insurer (third-party), to the health care provider, for services rendered.
Reference: www.apta.org