Understanding Insurance
It is important that you understand your benefit plan and covered services. Insurance plans vary greatly, even within the same company, and we cannot predict or guarantee coverage for services.
The Contract
Your health insurance is a contract between you, your employer and your insurance provider. We agree to bill your insurance company but ultimately you are responsibility for the all charges.
Verification
Proper Insurance billing and verification requires accurate and timely information. It is your responsibility to provide this to our team. Failure to provide this information will leave you as a patient responsible for the bill.
Double Coverage
Double coverage can be awesome but a bit of work. It is your responsibility to coordinate benefits between your plans. We will do our best to help but if we receive denials payment will be your responsibility.
Referral Requirements
Our Office policy requires patients to obtain referrals for Massage Therapy and Physical Therapy. The may be brought in or faxed to our office. (Fax: 509-396-3981) It is your responsibility to ensure there is a valid referral on file for the dates of service. Failure to do so will result in denials of service and patient responsibility for charges incurred.
INSURANCE PLANS
We Accept
We Don't Accept
Physical Therapy cannot accept the following insurances - Aetna, Cigna, United Healthcare (UMR, DMBA, All Savers, etc)
Why don't we accept your insurance?
There can be many reasons why we don't accept your insurance.
- They won't pay us - Insurance companies keep network panels and many have been closed for years and we aren't included. Many panels have been closed since before our provider graduated.
- They can't pay us - State/Federal programs don't allow our services in certain plans or programs.
- They pay too little - We love our patients but need to feed our families. This is a pattern you will see with the for profit insurance companies.
- They avoid paying/play games - The deny care and over complicate the process to avoid reimbursement. Some insurances have a pattern of denial and deflection that prevent fair timely payment.
Core Concepts and our State Associations are actively working on legislation and contracts that will improve these issues.
Ask how you can help.