Individual coverage will vary depending on the type of policy that you have. Below are a few questions you will want to ask your insurance provider before setting up your physical therapy appointment:
If you have a deductible, how much is it?
How much of your deductible has been met for the year?
What percent of the allowable charge will my insurance cover after I meet my deductible?
- Do you have a copay?
- Do you have a certain number of visits allowed for the year, or for the episode of care?
Do you need pre-authorization or a referral/prescription from a physician or other medical provider?