Sports Center participates in many health insurance networks to make
our services as accessible and affordable as possible. Below is a current list of insurance networks in which we participate.
-All Savers/United Healthcare All Savers
-Blue Cross Blue Shield (BCBS)
With your permission, we’ll call your insurance company and find out the details regarding your benefits. We will then let you know this information even before your first visit. And, when we talk to you, we’ll explain — in plain English — the three things you must know to reduce confusion and get the most out of your time at Sports Center:
- What are your insurance benefits for physical therapy?
- How much of your bill will your insurance pay?
- How much of your bill will you have to pay?
To find out what your unique benefits look like, contact us and we will be happy to look into your insurance coverage.
Health Insurance 101
If you have never used your health insurance benefits for physical therapy, you may be unclear about certain terms such as coinsurance or deductible. Below, we explain some of the more common elements of health insurance.
Deductible is the initial portion of a covered expense that must be paid by the insured person, you, before the insurance policy pays its part of the expense. Example: If your deductible is $500, then you must pay the first $500 of the covered medical costs before the insurance company will pay for your care.
Co-insurance is when you and your insurance company share the covered procedures under a policy in a specified ratio. Example: 80 percent of your care is paid by the insurance company and 20 percent is paid by you.
Co-pay is an arrangement where the insured party, you, pays a specific amount for services and the insurance carrier pays the remaining charges.
Maximum Benefit Amount (MAXBEN) is when the insurance company will pay for care up to a certain dollar amount. Example: You have a $500.00 MAXBEN. The insurance company will only pay for your services up to the $500.00 maximum.
Out of Pocket Max (OOPMAX) is the total amount a client, you, will have to pay out of pocket in one year. After the OOPMax has been met, typically the insurance company will cover you at 100%. Many plans have visit or dollar limitations for physical therapy. Sometimes this amount is included with Speech Therapy and Occupational Therapy.
PLEASE NOTE: Some United Healthcare (UHC) plans require that their patients fill out additional paperwork. We will have this paperwork ready for you to fill out when you come in for your consultation.
Insurance Denial Out-of-Pocket Option
Our goal at Sports Center Physical Therapy is for you to obtain optimal results. To get these results, you will need to complete your physical therapy as prescribed by your physical therapist. Due to recent changes in the Healthcare Industry, insurance companies are becoming more and more stringent with the amount of physical therapy visits they approve. Medical management has made it difficult for clients to see their therapy to the end without their insurance cutting them off from coverage.
In order to give you the best chance at a full recovery and alleviate the burden of having to pay out-of-pocket for physical therapy, we are offering $80 per 1-hour session of physical therapy.
The normal rate for 1 hour of physical therapy with a licensed physical therapy is $200. Paying $80 per 1 hour session is a savings of 60% as a courtesy for paying out-of-pocket after your insurance has denied further coverage.