Billing and Insurance

Patient Insurance

As we strive to provide quality care, we must be mindful of insurance and payment issues. As a patient, it is in your best interest to know and understand your insurance plan benefits including your responsibility for any deductibles, co-insurance, or co-payment amounts prior to any visit. To find out what your insurance plan covers and what your financial obligation may be, call the customer service or member services department of your insurance company (the phone numbers are on your insurance card). Your employer's human resources department may also be a source of information and assistance.

It is your responsibility to know your insurance company's patient responsibilities and procedures. If proper procedures are not followed, you may be liable for full payment of the bill. Prior authorization may be required in order to receive physical therapy If your insurance company requires a referral and/or prior authorization, contact your primary care physician. If your insurance company requires prior authorization and you do not have one, you may be responsible for full payment of your bill. If you require more visits than your insurer approves or if the authorization has expired, you must contact your primary care physician for another authorization.

Insurance Plans

Elite PT accepts Blue Cross and Blue Shield insurance and Medicare. Our Maryland location in Baltimore is also in-network with Johns Hopkins EHP Insurance.

All other insurance is considered “out of network”. Benefits will vary depending on the type of policy that you have. To find out what your insurance plan covers and what your financial obligation may be, call the customer service or member services department of your insurance company (the phone numbers are on your insurance card). Members receive maximum benefits if they choose in-network providers. Members may also choose to “self-refer” to an Out of Network provider but a higher co-payment may be applied and the plan may require higher deductibles and/or co-insurance amounts.

  • In Network Benefits- You want to confirm :

    • If you have a deductible, how much is it?
    • If you have a deductible how much has been met for the year?
    • What percent of the allowable charge will my insurance cover after I meet my deductible?
    • Is there a visit limit?
    • Do you need authorization or a referral?
  • Out of Network- If you do not have Blue Cross/Blue Shield or Medicare then you are considered to be “Out of Network”. We strongly recommend that you call your insurance company and confirm your Out of Network benefits for physical therapy. You want to confirm:

    • If you have a deductible, how much is it?
    • If you have a deductible how much has been met for the year?
    • What percent of the allowable charge will my insurance cover after I meet my deductible?
    • Is there a visit limit?
    • Do you need authorization or a referral?

If you have chosen to use these options, please be aware that your financial responsibility for co-pays and/or co-insurance may be greater.

Workmans Compensation and Automobile Coverage:

Elite PT does accept workman’s compensation and automobile accident coverage.

Self Pay:

Elite PT offers the option of self pay rates. If you choose not to use your insurance benefits, you may inquire about our self pay rates, payable at time of service.

HSA/FSA Accounts:

Health savings and flexible spending accounts can often be used to cover services.

Payment

Co-pays are expected at the time of your service. For your convenience we accept cash, personal checks, Visa, MasterCard, and American Express.