Movement Method accepts insurance for physical therapy services as well as cash payments. Almost all insurances cover physical therapy in some capacity, but each plan differs on the out-of-pocket cost, number of visits allowed or pre-authorization required. Our staff will be happy to contact your insurance company to determine what your benefits are and explain them to you prior to initiating treatment.
Payment of co-pays, co-insurances and deductibles is expected at the time of service unless other arrangements have been made.
Insurance
We accept most major insurance plans, including but not limited to:
Independence Blue Cross PPO
Highmark Blue Shield
Independence Administrators
Keystone Health Plan East
United Healthcare
Medicare Part B
Tricare East
Workers' Compensation
Motor Vehicle Accident
Personal Injury
Our staff will verify your insurance benefits prior to your first visit and let you know what responsibility you may have, such as deductible, co-pay or co-insurance.
If you do not see your specific insurance company listed or have questions regarding your insurance coverage or payment options for physical therapy, please contact us at (215) 470-1652 or info@movement-method.com. We will do our best to answer any questions you may have and help you navigate this often confusing health insurance system.
We also offer a private pay plan for those patients who do not have health insurance or those who have maxed out their benefits.
*If we do not participate with your insurance but your plan has out-of-network benefits we will gladly submit claims on your behalf.
INSURANCE TERMINOLOGY
When you schedule an initial Physical Therapy appointment at Movement Method (and you wish to bill your treatments through your insurance), please provide your insurance plan information. Here are explanations of three important insurance terms that represent the portion of the medical bill that you are responsible for.
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A deductible is usually a fixed dollar amount that you have to pay out of your own pocket before the insurance will cover the remaining eligible expenses. Depending on the insurance plan, the deductible can range from $0 all the way up to thousands of dollars. It can also be paid per sickness/injury (per condition) or per certificate period.
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Coinsurance is usually a percentage, and represents the percentage cost that you will need to pay and the insurance plan will pay towards your eligible medical expenses. Some common coinsurance examples include: 80/20, 90/10 and 50/50 – so if you have 80/20 coinsurance on your insurance plan, it means that the insurance company will cover 80% of your medical cost and you are responsible for paying the other 20% yourself. A deductible is commonly used together with coinsurance. In this case you would pay the deductible amount first and after you would have the leftover coinsurance amount.
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Copays are similar to deductibles, in that it is usually a fixed amount of money you have to pay each time you need to use your insurance plan. Unlike deductibles, copays tend to be smaller dollar amounts and are applied on a per visit basis so that you would have to pay it each visit. At Movement Method, your copay will be collected prior to every session.
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Movement Method accepts patients without a physician referral. In the state of Pennsylvania, patients are able to be evaluated and treated by licensed physical therapists without a physician referral under the legislation. This means you no longer have to wait to get treated for injuries that would immediately benefit from physical therapy services.
This allows patients to expedite treatment while saving money. Expedited treatment time helps reduce total injury time and allows you to return to normal function faster. It saves you from having a costly doctor visit for a prescription prior to a physical therapy visit.
For self-pay patients and some insurances, you do not need a physician referral to come to Movement Method for treatment. However, certain insurances may require a physician referral in order to cover your PT visits.