HEALTH INSURANCE
HEALTH INSURANCE
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Health insurance is an important aspect of health care. There are dozens of insurance companies providing coverage, many with several types of coverage offered. Each company and each insurance "product" is unique. We are proud to serve patients as providers for many different insurance plans. To maximize your insurance benefits and minimize problems, you must take primary responsibility for knowing your plan, its rules for referrals, whether it pays for routine health care, whether "referral authorization" is required before making an appointment with our physical Therapist. Your insurance company or your employer will provide you with written information to answer most of these questions. If you cannot find an answer to your insurance questions in this material, call your employer or the insurance company. Make sure you write down the name of the person with whom you speak and any authorization or claim numbers involved.
Bring your Picture ID (State issued ID or Drivers License or Passport) and your health insurance card; if you are covered by two plans, bring both cards and determine in advance which is your primary coverage.
Please check with your insurance plan to determine:
If you have coverage for physical therapy and coverage limits.
If you will need a referral to see us. If you need a referral for your physical therapy, please contact your surgeon or primary care physician.
Participating Health Insurance Plans In Alphabetical Orderc
Clicking on a link will open a new window taking you to the insurance company's website.
Admin Enterprises (AEI)
AETNA (PRO*HMO*EPO)
Arizona Medical Network (AMN)
AZ Pipe Trades Health & Welfare Trust Fund
BLUE CROSS - NO Advantage, HMO, Blue Alliance, or HMO
CIGNA - NO EMI plans, or Southwest Service Admin
Great West (merge w/Cigna 11-2012)
Health Net - NO Ruby1 HMO
HUMANA - NO HMO or MCR
MEDICARE - NO Railroad Medicare
Meritian - Choice POS2
Multiplan & Value Point
OneCare (see care 1st)
Optum (Health Allies)
PTPN
PTPN w Comp
Please check your insurance plan to determine:
if you have coverage for physical therapy and coverage limits.
if you will need a referral to see us. If you need a referral for your physical therapy, please contact your surgeon or primary care physician.
Frequently Asked Questions:
What are some common insurance terms I should know? Be sure to check with your health insurance company to see how these terms apply to your health insurance coverage.
Co-payment or “co-pay” The part of your medical bill you must pay each time you visit the doctor. This is a pre-set fee determined by your health insurance policy.
Co-insurance The part of your bill, in addition to a co-pay, that you must pay. Co-insurance is usually a portion of the total medical bill such as 20%.
Deductible The cost you must pay for medical treatment before your health insurance company starts to pay—for example, $1,000 per individual or $4,000 per family. In most cases, a new deductible must be satisfied each calendar year.
Non-covered charges Costs for medical treatment that your health insurance company does not pay. You may wish to determine if your treatment is covered by your health insurance policy before you are billed for these charges by the doctor’s office.
Approval number (Prior Authorization) A number authorizing the health insurance company to pay benefits for your care. You may need to obtain an approval number from your health insurance representative before you see the doctor in order for the health insurance company to pay for your medical treatment
How is my physical therapist's office paid?
You should pay your co-payment and deductible, if required, during your visit to the physical therapist. While you are responsible for your medical treatment, we will make every effort to seek payment from your health insurance company for the amount owed under your policy. The process by which the office seeks payment is very complicated, which is why we need correct information from you.
Note: Our staff follows the rules of your insurance policy. We will do our best to send bills in a timely manner to your insurance company so that you will not have to pay for medical care covered by your plan. In some cases, however, our staff may ask for your help when bills are sent in order to ensure that they are processed correctly.
Your health insurance card or the card of the person who covers the child’s medical care
The name of the person responsible for the child’s medical care decisions and payment
The physical therapy office will also need to know your relationship to the child
What information should I bring to the physical therapist's office?
Photo identification, such as a driver’s license or passport
Your current health insurance card
Any change in personal information such as your name, address, employer or phone number
Form of payment for your co-payment, co-insurance, or other patient responsibility amounts
Why does the physical therapy office need my personal and health insurance information to get paid?
The physical therapy office staff uses this information to confirm your health insurance coverage and to send your health insurance company a request for payment of your medical bill. The health insurance company requires your personal and health insurance policy information before it will pay your bill. Be sure the physical therapy office staff has your current health insurance policy information, including the health insurance company name and address, policy number and group number so the health insurance company can pay your medical bill on time. Much of this information may have changed since your last visit to the office. The services covered by your health insurer also may have changed. That is why many provider's offices require you to provide this information at each visit.
Please call us to schedule an appointment at (623) 873-4000
Hours: 8:00 a.m. to 6:00 p.m. (1st patient at 8:00 a.m. Last patient taken at 4:30 p.m.)
Fax: (623) 873-9000
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