Insurance Information and The Out-of-Network Advantage
As an out-of-network provider, JJPT is able to provide high-quality Physical Therapy in the context of one-on-one treatment sessions without an insurance company dictating the length and interventions provided during your visits. We are not constrained by contracts or any third-party requirements that would limit the time we spend with clients or the care we provide. This is a unique advantage.
Your reimbursement is dependent on your particular insurance plan’s out-of-network coverage and subject to your deductible. It is in your best interest to understand your insurance and to maximize your insurance reimbursement.
Most of the time, when you see a Physical Therapist (PT), your insurance benefits will not kick in until you have met your deductible. Deductibles are inversely related to premiums – the higher the deductible, the lower the premium (and vice versa). Deductibles are typically in the range of $1,000-$3,000 for an individual and $2,000-$6,000 for a family (though this varies significantly from one insurance plan to the next). If your deductible is $2,000, this means you will be required to pay $2,000 before your insurance contributes anything. After you have spent $2,000 you will be required to pay you co-insurance (usually about 50%) until you meet your out-of-pocket maximum. Once you have met your out-of-pocket maximum, your insurance will cover the entirety of your ‘medically necessary’ costs.
In-network PTs have contracts with particular insurance companies to accept discounted rates. This rate is passed on to you, the consumer. However, to compensate for decreased reimbursement, these in-network facilities typically must see several patients per hour, and often multiple patients at the same time. At JJPT you receive care from one of the top PTs in the United States, and the duration of your PT session is determined by you and your PT (instead of the constraints of insurance contracts).
It is important to understand, that even when seeing a PT at an in-network facility, you must pay out of pocket expenses until you meet your deductible and your insurance kicks in. Unfortunately, people receive bills 2-3 months after PT services have been rendered, and are informed that their insurance covered $0 of their visit, requiring them to be fully responsible for the entire cost of their PT sessions. At JJPT there are no financial surprises and no restraints on your care.