Billing
Out-of-network care: Why it benefits you
At Kerry Mauri Physical Therapy, we have chosen to remain out of network with insurance companies so we can provide the highest quality care without restrictions.
Using this model of care, we are able to provide ongoing support and extended care between appointments via email and phone as needed. There are no restrictions regarding the number of visits, type of visit, and treatment used at each visit. Each session is unique to you and catered to exactly what you need, not what the insurance companies want to see.
What this means for you
We require payment at the time of service. We do provide detailed receipts called superbills that can be applied to flexible spending accounts or toward out-of-network deductibles. Generally “PPO” insurance providers have an “out of network” benefit. This means many clients get partial reimbursement from their health insurance/HSA (up to 80% but this varies depending on your provider).
Our priority is helping you move better, feel stronger, and get back to doing the things you love—without unnecessary obstacles.
Questions to ask your insurance company about out-of-network benefits
Do I have out-of-network physical therapy benefits under my plan?
What is my deductible for out-of-network services, and how much of it have I already met?
After I meet the deductible, what percentage of the visit cost will my plan reimburse?
Is there an annual limit or visit limit for out-of-network physical therapy?
Do I need a referral or prescription from my doctor for reimbursement?
Are there any forms or specific paperwork I need to submit along with a superbill?
How do I submit a claim for out-of-network services? Online? By mail?
How long does it typically take to receive reimbursement?
Are there any services that are excluded from out-of-network coverage?
Is reimbursement based on the provider’s fee or the insurance company’s allowable amount?
