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Understanding Physical Therapy Insurance Coverage in NJ

In health care today, physical therapy insurance coverage varies greatly with the type of insurance you have. Do you know if your insurance company will pay for physical therapy services? If so, you probably have some questions.

The experts at Twin Boro Physical Therapy have put together a common FAQ about New Jersey physical therapy insurance coverage. If you don’t see your question answered below, don’t hesitate to give us a call at 877-304-3000 for more information.

Frequently Asked Questions about Physical Therapy Insurance Coverage

Will you bill my insurance claims on my behalf?

Twin Boro will file your insurance claims to both your Primary Insurance Carrier, and the Secondary Insurance Carrier.This means we will bill your insurance company; once they pay us the allowed amount, we will bill you any remaining balance as that will be the patient’s responsibility.

Are you in-network?

Because we participate with so many major insurance plans, Twin Boro Physical Therapy is able to provide in-network care for New Jersey residents. We’ll help you answer all of your insurance coverage questions and concerns so you can focus on getting the treatment and care you need.

What insurance plans do you participate?

We participate with most major Insurance Carriers. . Some of the ones we participate are Horizon Blue Cross Blue Shield of New Jersey, Cigna, Aetna, United Health Care, etc. Please check our insurance page for a list of all accepted insurances.

We have Patient Advocates whom will and verify your benefits so that you can be rest assured that you will be receiving the care and coverage needed for you to get back to doing the things you love.

What about workers compensation?

In New Jersey, Employer’s the right to direct patient care for workers’ compensation injuries. That means that although a patient may express their preferred provider, Employers must first give their approval which is done in conjunction with the physician. Workers compensation insurance covers the full amount of physical therapy charges and the patient is not responsible for charges.

Will you tell me what my insurance covers?

Many insurance plans cover physical therapy treatments, but certain conditions may apply.
As a courtesy, our Patient Advocate Team will verify insurance coverage for outpatient physical therapy prior to your first appointment. But, please remember that verification of benefits is never a guarantee for payment coverage. This means that any insurance coverage information we receive over the phone could possibly be different than what your plan actually covers.

In the end, it is the patient’s responsibility to review their policy and take a proactive role in their own care.

Can you waive my co-payment or deductible?

No. In fact, it is illegal for us as a contracted provider with your health insurance, to waive a co-payment, or deductible payment According to your health insurance coverage contract, these must be collected appropriately. If there is a situation such as a financial hardship, arrangement must be made with the billing department prior to treatment.

If I incur a late cancellation or no-show fee, will my insurance cover this?

At Twin Boro Physical Therapy we utilize courtesy reminder calls and/or text messages to help you keep your appointments consistent.

What can I do to improve my physical therapy insurance coverage?

The best way to improve your physical therapy insurance coverage is to take an active role in your own health care. This means knowing your rights as a patient and understanding all of your options.

We advise our patients to talk with their employers or benefits managers to determine if their current benefits package provides access to physical therapy services. If it does, review your policy details – even the fine print. Knowing the ins and outs of your plan can give you an edge in maximizing insurance coverage.

Twin Boro Physical Therapy: 23 Convenient NJ Locations

At Twin Boro Physical Therapy, we are an in-network physical therapy provider for services with most major healthcare plans in New Jersey. As part of our mission, we want to provide you with the highest quality care, and that includes understanding your financial obligations.

Please contact our office regarding your specific insurance coverage or payment obligations at 877-304-3000.

Why Choose Twin Boro Physical Therapy

Voted Readers’ Choice Best of New Jersey in 2013, Twin Boro has provided NJ residents with high quality physical therapy and rehab for over 38 years! It’s our award-winning approach, proven results and reputation that sets us apart. By incorporating the One2Four program into each patient’s program, the latest and most reliable scientific research and techniques is incorporated into effective evidence-based practice, we deliver only the highest standard of care with the unique One2Four approach.

It’s no surprise that Twin Boro Physical Therapy has also been voted the best physical therapy practice in New Jersey by the readers of mycentraljersey.com.

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