BalancePT: Understanding Insurance Benefits

WEDGE SALAD WITH BLUE CHEESE & HERB DRESSING Healthy Recipe

I Don’t Understand These Terms… What Do They Mean? Insurance terminology can be confusing. There have been several instanceswhereourpatientsdon’tunderstandtheirbenefitsbecause they simply don’t knowwhat to ask their insurance providers. Below we’ve provided some definitions for some common terms that you can discuss with your insurance provider prior to scheduling an appointment: 1. What is a copay? A copayment, also referred to as a copay, is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service. The amount of each patient’s copay is defined by their insurance company, and may vary depending on what plan you have. To find out what your copay may be for physical therapy services, contact your insurance provider. We will also discuss copays with you before your first appointment. 2. What is a deductible? A deductible is the amount you pay for health care services before your health insurance begins to pay. Much like a copay, your deductible amount is dependent upon your insurance company, as not all insurance providers follow the same guidelines. Your insurance company will be able to tell you exactly howmuch your deductible is. We will also discuss deductibles with you at your first appointment, to outline how much you may have to pay before your insurance provider picks up the cost. How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance. 3. What is coinsurance? Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount the insurance will pay for services. You typically start paying coinsurance after you’ve paid your plan’s deductible. How it works: You’ve paid $1,500 in health care expenses and met your deductible. When you receive services, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70 percent. The 30 percent you pay is your coinsurance. Again, each insurance company will have a different coinsurance policy, so it is important to discuss this with them beforehand to figure out what percentage of costs you will have to pay. We will also discuss this with you at your first appointment to outline how your percentage will play into the costs of our services. Contact Balance Rehabilitation and Health Science, LLC today: Contact us today to schedule an appointment and discuss how your insurance benefits will come into play with your treatments. Don’t hesitate on treatments simply because of insurance uncertainty – we are here to help you every step along the way.

Ingredients Blue Cheese & Herb Dressing • ¾ cup crumbled blue cheese • 2/3 cup plain Greek yogurt • ¼ cup extra-virgin olive oil • 2 tbsp white-wine vinegar • 1 tbsp Dijon mustard • 1 tbsp chopped flat-leaf parsley • 1 tbsp chopped fresh oregano • 1 medium clove garlic • ¼ tsp kosher salt • ¼ tsp ground pepper

Salad • 6 heads lettuce • ½ cup crumbled blue cheese • 3 pieces bacon, cooked & crumbled • 2 scallions, thinly sliced

Instructions Topreparedressing:Place¾cupbluecheese,yogurt,oil,vinegar,mustard, parsley, oregano, garlic, salt and pepper in a blender or food processor. Blend until almost smooth. To prepare salad: Cut each head of lettuce in half lengthwise and place on a large salad plate. Dollop 2 tablespoons of the dressing over each serving and top with more blue cheese, bacon and scallions. Serve with extra dressing on the side, if desired.

Staff Spotlight MICHELLE FECTEAU, PT Michelle Fecteau is a physical therapist and certified in Manual Orthopedics through the Institute of Graduate Heatlh Sciences/Stanley Paris in 1994. Her certification took over 7 years to accomplish with 8 courses and a written, oral and practical exam with expertise in advanced evaluation and manipulation of the extremities, cervical, thoracic and lumbar spine, cranio-facial, SI, myofascial manipulation and spinal stability. At the time she was 1 out of 200 in the country with this manual certification. She graduated with her Bachelor of Science in Physical Therapy from the University of Vermont in 1986. Michelle has been working as a physical therapist for over 30 years and was the Orthopedic Clinical Specialist at Northeast Rehabilitation Hospital, where she instructed physical therapists and studentclinicaldevelopment,consulted inpatient and outpatient therapists on orthopedic treatments, and treated aquatic therapy, orthopedic and neurological patients. She also worked at Parkland Medical center, treating a wide spectrum of patients including joint arthroplasties, shoulder rotator cuff repairs, laminectomies, ACLs and

various orthopedic injuries of the neck, back, SI joint and extremities. Michelle has gained vast experience in different roles within the physical therapy community including inpatient & outpatient, orthopedic private practice, acute care, rehab, nursing home, day rehab, and homecare. She has treated neurological patients with diagnoses of spinal cord injuries, CVAs, Parkinsons, MS, geriatrics with falls, balance issues, COPD, vertigo, vestibular hypofunction and CHF. She has advanced her manual skills to include Trigger Point Dry Needling with Balance Physical Therapy. Michelle’s goal is to help people to heal and encourage them along the way so they can reach their highest potential. During her time off, Michelle loves to spend time with her husband, 2 adult daughters, and stepson, family and friends – often hiking, biking, working out and spending time at the lake.

Are you letting costs hold you back? Call Balance Rehab at 603.890.8844 to schedule your appointment today!

Call Balance Rehab at 603.890.8844 , or visit our website at balance-rehab.com to schedule your appointment today!

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