PHYS I CAL THERAPY N E W S L E T T E R
UNDERSTANDING YOUR INSURANCE CO-PAYS, DEDUCTIBLES, AND PREMIUMS...OH MY!
WE’RE VACCINATED! We’re happy to share that all of our physical therapists are fully vaccinated against Covid-19!
Navigating health insurance, and understanding your benefits and coverage is not an easy task. Total Performance is happy to extend a helping hand to our patients in need of assistance when it comes to deciphering what their insurance will pay for in regards to physical therapy treatment. To make things a little easier on you, we’ve defined some common key terms that you may have read in your health insurance pamphlets or seen on your medical bills. Call our clinic today with any other questions you might have! We’re happy to help. Common insurance terms, explained • Premiums: The best place to start is at the beginning, right? A premium is the actual cost of your insurance plan. Your monthly premium is the dollar amount of the bill you
pay each month to keep your health insurance plan active. Plans that have higher premiums cover more services, which means that you’ll have to pay less in medical bills throughout the year. • Deductibles: Your deductible is the amount of money you have to pay out of pocket before your insurance policy kicks in and begins paying towards your covered medical expenses. Your deductible also determines how much money you will pay your physician, therapist, or hospital, and is usually paid at the time of treatment. Depending on what health insurance plan you have, your deductible may be paid once per calendar year, or once per new condition. In the case of the latter, these kinds of deductibles are paid every time you visit the doctor, unless it’s a follow up visit. (Continued inside)
Learn more by visiting our website at TotalPerformancePT.com or schedule your consultation today by calling 215.997.9898 !
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