Feel free to contact us if you have any questions.

Here at South Aiken Physical Therapy, we are in-network providers for most major insurance plans. However, dealing with health insurance plans can sometimes be complicated, that's why we are encouraging you to know your Physical Therapy benefits before you attend your first visit with us.

In order for us to best serve you, we recommend that you contact your insurance company directly (see the toll-free number on the back of your card). When you call, make sure to tell the agent you are requesting benefit information for "Outpatient Physical Therapy Office". This should ensure accuracy, as they often have different benefit levels based on the location and type of practice (e.g. hospital, at home, rehabilitation facility or outpatient office).

The key information you need is:

• What is my co-pay or co-insurance? (This is the amount you have to pay each visit.)

• What is my deductible amount? (This is your annual out-of-pocket expense for medical care before the insurance company will pay anything)

• How much of my deductible have I met? (Until this is met, you will be responsible for full payment at time of treatment.)

Tip: If you have already met your deductible for the year, then now is the ideal time to take care of any pain and physically limiting problems before a new plan year (and new deductible) start.

A special note about health insurance;
There are two aspects to dealing with insurance companies- firstly, the contract that an individual has with them and secondly, the agreement that a Physical Therapy Provider may have with the insurance company.

Physical Therapy providers are not a party to the agreement between an individual and his/her insurance company. That is why it is important for you to call your insurance company and get a clear understanding of exactly what your plan with cover. Often people are surprised at how good or poor their benefits are relative to their monthly premium. Having this information will allow you to know prior to coming to Physical Therapy what cost you will have for services received.

South Aiken Physical Therapy has entered into agreements with many insurance companies that will provide a discount from our regular fee schedule to you, their members. We do not have this agreement with all companies in part because there are an inordinate number of insurers and the process is very lengthy, and largely in part because some reimbursement rates are unacceptably low.
To agree to excessively discounted rates would affect the standard of care you deserve and ultimately your health and personal goals. We are not willing to compromise your care and health by entering into contracts that force us to reduce the level of care you deserve.If we do not contract a discount rate with your insurer it is for one of the reasons above.

South Aiken Physical Therapy has contracted with Blue Cross Blue Shield, Medicare, Tricare and approximately 30 other Insurance Companies (a full list will be available soon) to provide in-network benefits and discounted fees to you, their members.

Of importance to some in Aiken is that we are not in network with Cigna nor United Healthcare. Both Cigna and United ask us to accept a fee for service that is well below all others and is unfairly low. However, we have had recent experience with certain Cigna plans that have covered all charges in full. Again, that is just another reason to call a representative with your individual plan and clarify your exact benefits with us at South Aiken Physical Therapy.

Health Insurance is complicated!

If we are not "in network" with your insurance company you can typically receive therapy from us (if you are in an "HMO", special rules apply). We have found that it usually cost a few dollars more per visit (typically $5-$10). When you call your insurance company they will be able to give you this information. Please keep in mind that if we are not in-network, it may cost a little more each visit to come to South Aiken Physical Therapy, but our expertise often resolves problems faster. These improvements in fewer visits may end up costing you less overall. This especially rings true if your problem is causing lost time from work, expensive medications and perhaps the prospect of surgery. Sometimes going "out of network" is really cheaper if you're in the right hands.

We hope you find this information useful. We will assist you in any way we can to help clarify benefits and any confusion so that you may promptly receive the care you deserve to get you "back in the fast lane". At the end of the day we hope that the insurance company does not interfere with you receiving the Physical Therapy that you deserve.