Insurance and Payment Information
At Forte Physical Therapy, we believe understanding your insurance benefits should be simple and transparent.
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Our team works with Medicare, Medicaid, worker's compensation, motor vehicle claims and most commercial insurance plans. We take the time to verify your benefits before treatment begins. We want you to feel confident about both your care and your financial responsibility so there are no surprises along the way. We also offer an affordable cash-pay rate if you don't have insurance or wish to not use that option.
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If you have questions about your coverage, our team is happy to help.
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How Insurance Verification Works
Before your first visit, we use an insurance verification system to review the physical therapy benefits available under your plan.
This allows us to estimate:
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Copays
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Deductibles
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Coinsurance
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Visit limits
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Authorization requirements
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Secondary or supplemental insurance coverage
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Once benefits have been reviewed, our team will discuss any expected patient responsibility with you before treatment begins.
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Our goal is transparency and clear communication so you can make informed decisions about your care.
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Why Do I Have a Balance at Each Visit?
Most insurance plans require patients to pay a portion of their healthcare costs through deductibles, copays, or coinsurance.
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Based on the information provided by your insurance company, our system estimates what your financial responsibility is expected to be and helps us collect those amounts during treatment.
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Collecting balances as care is provided helps prevent large unexpected bills from accumulating later and keeps your account up to date throughout your plan of care.
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If your insurance processes a claim differently than anticipated, we will make any necessary adjustments to your account.
Frequently Asked Questions
What is a deductible? A deductible is the amount you must pay out of pocket before your insurance begins contributing toward covered services. Example: If your deductible is $2,000 and you have already paid $1,500 this year, you may be responsible for the next $500 of covered healthcare expenses before your insurance begins sharing the cost.
What is a copay? A copay is a fixed amount you pay for each visit. Example: Your insurance plan may require a $30 copay for every physical therapy appointment regardless of the total cost of the visit.
What is coinsurance?Coinsurance is a percentage of the cost that you are responsible for after your deductible has been met. Example: If your plan has 20% coinsurance, your insurance pays 80% of the allowed amount and you pay the remaining 20%.
Why does someone with the same insurance company have different costs? Insurance companies offer many different plans, each with unique benefits and coverage requirements. Two people with the same insurance carrier may have completely different deductibles, copays, coinsurance amounts, visit limits, or authorization requirements. Your benefits are determined by your specific policy, not simply the name of your insurance company.
What is supplemental insurance? Supplemental insurance is additional coverage that works alongside your primary insurance plan. Depending on the policy, supplemental insurance may help cover: Deductibles Copays Coinsurance Other out-of-pocket expenses Examples include Medicare Supplement (Medigap) plans, secondary insurance policies, and certain employer-sponsored supplemental plans.
Will you bill my secondary or supplemental insurance? In most cases, yes. Please provide all insurance cards prior to your first visit so our team can determine how your benefits coordinate and whether your secondary insurance can help reduce your out-of-pocket costs.
Can you guarantee what my insurance will pay? Unfortunately, no. Insurance companies do not guarantee payment when benefits are verified. While we make every effort to provide accurate estimates, final payment decisions are made by your insurance carrier once claims have been processed. Any overpayments or underpayments will be adjusted accordingly.
Have Questions?
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Insurance can be confusing, but you do not have to navigate it alone.Our team is happy to verify your benefits, explain your coverage, and answer questions about expected costs before you begin treatment.Call, text, or email us today and we will help you understand your physical therapy benefits and get started with care.