For your convenience we accept cash, checks and most major credit cards.  Balances can be transferred to your credit card.

Personal Rehabilitation Center, PC Financial Policy

THANK YOU FOR CHOOSING PERSONAL REHABILITATION CENTER, PC!  We are committed to provide you with the highest standard of service.  Therefore, all patients will be required to establish financial arrangements for payment of their account.  All patients must sign and complete the entire registration packet before they see their physical therapist.

REVIEW YOUR INSURANCE BENEFITS

We urge you to familiarize yourself with your “Schedule of Benefits” available in your insurance policy.  It will help you understand the agreement you have with your insurance company.  Contact your insurance company with any specific questions you have regarding your outpatient physical therapy benefits.  Understanding the nature of your coverage including preauthorization requirements, deductibles, co-payments, co insurance, visits limitations and annual limits will help you make informed decisions about your financial responsibilities.

As a courtesy, we will also verify your coverage, but we cannot guarantee the accuracy of the information we receive.  Your insurance policy is a contract between you and your insurance company.  You are responsible to know your level of coverage, and are ultimately responsible for full payment of your account.

INSURANCE INFORMATION

We need complete and accurate information about your policy.  We will submit claims to your health insurance company for you.  You are responsible for payment of any deductible, co-pay, and co-insurance as determined by your contract with your insurance company.  You are responsible for any amount or any services not covered by your insurer.

CHANGES IN COVERAGE

It is your responsibility to inform us of any and all changes of insurance coverage during the course of treatment.  Failure to do so may result in denial of coverage from your insurance company.

OUT-OF-NETWORK

You are responsible for meeting the out-of-network deductible before your insurance will begin to reimburse for services rendered.  You are responsible for co-payments and/or co-insurance.  You are also responsible for the difference of billed charges and your insurance company’s maximum allowable amounts.  Out-of-network physical therapy benefits will be clearly outlined in your policy’s “Schedule of Benefits”.  We will submit all of your claims for payment to your insurance company.  PRC Physical Therapy requires a minimum payment of $30.00 per session for patients who have an out-of-network insurance company.  This payment will be applied towards your balance.

IN-NETWORK

You are responsible for meeting the in-network deductible before your insurance will begin to reimburse for services rendered. You are responsible for co-payments and/or co-insurance as specified in your “Schedule of Benefits”.  PRC Physical Therapy has agreed with your insurance company to accept the Preferred Provider maximum allowable charge as full payment for the services rendered.  There will be no balance billing for covered services.  You are responsible to pay for any services that are received but not covered under your policy.  Co-pays or deductibles are due at the time of service.

NON-INSURANCE-FEE-FOR-SERVICE

Fee-for-service is exclusively a non-insurance financial arrangement.  The Fee-for-service arrangement is exclusively separate from the IN and OUT-OF-NETWORK scenarios.  Fee-for-service receipts CANNOT be submitted to insurance for reimbursement.  PRC Physical Therapy will discount our standard fee schedule by 30% for this arrangement.  To be eligible for this discount, full payment must be received at the time that services are rendered.  This discount is based upon a paperwork reduction discount, as we will not file your claim with your insurance company.

WORKERS COMPENSATION

If you are claiming worker’s compensation you must provide us with a copy of your personal insurance card and a current authorized claim number and case manager contact from your workers compensation claim.  We will confirm your authorization with you case manager or adjustor.  In the event that your claim is denied by workers compensation, we will file claims with your personal insurance company.  If your claim is denied by your personal insurance company, you are responsible for the full payment of your bill.

MEDICARE

PRC Physical Therapy is a Medicare-approved provider.  All Medicare policy holders need to have a referral from a physician prior to starting physical therapy services with PRC Physical Therapy.  You will require an updated physician referral every 30 days, if your physician continues to request physical therapy treatment for you.  This may require you to follow up with your physician more frequently.

SECONDARY INSURANCE

If you have secondary insurance, you must present it at your initial visit.  The same policies and responsibilities apply to the use of secondary insurance.  You are responsible for the accuracy of the insurance information we use to submit the claim, and you are ultimately responsible for the full payment of your bill.

MINORS

A parent or legal guardian must accompany a minor patient at the time of the initial visit.  The parent or legal guardian is responsible for full payment as outlined previously in the financial policy.  The parent or guardian that accompanies the minor patient to the initial visit shall be fully responsible for payment of services rendered, should a dispute arise between parents or legal guardians.

PERSONAL INJURY, LIABILITY, AUTO, OR INVOLVEMENT OF AN ATTORNEY

You will need to complete and sign all of the patient registration forms.  You must still provide us a copy of your personal insurance card.  We may also need a physician’s written referral for these cases.  In the event your claims are denied by the liability center or that the personal injury protection benefits are exhausted, we will file claims with your personal health insurance policy.  If your personal health insurance denies the claim for any reason, you are responsible for the full payment of your bill.

YOUR STATEMENTS

Patient statements will be mailed out monthly.  Any portions not covered by your insurance policy will be your responsibility.  When PRC Physical Therapy submits claims on your behalf, we will make all good faith efforts to collect payment from your insurer.  If resubmission of claims does not satisfy your bill for services rendered, you will be responsible for the full payment of your bill.  Payment is due upon receipt of your statement.

If your insurer sends payments for service directly to you in error, you must bring any checks or information provided by your insurer to PRC Physical Therapy.

DISPUTES

With your participation, this policy will minimize or eliminate errors, miscommunication, and bad information with regard to your insurance or other financial arrangements.  We will not become involved with disputes between you and your insurance company.

CANCELLATION POLICY

When cancelling, you must call at least 24 hours in advance of your scheduled appointment.  We reserve one hour for your appointment, and would like as much opportunity as possible to offer that appointment time to another client.  A late cancellation or missed appointment fee of $30.00 will be charged.  If you miss your appointments without notification on more than 3 (three) occasions, you can only schedule on the day of service, and cannot reserve an appointment time.

We understand there are special and unforeseen circumstances, and these will be considered on a case by case basis.

PAYMENT

We accept cash, check, and most major credit cards.  There will be a $30.00 service charge for all returned checks.  After 60 days of your first statement date, a $5.00 per month late fee will be added to balances of less than $500.00, and a $10.00 per month for balances of $500.00 and above.  We will work with you to set up a customized payment plan if necessary, please ask.

COLLECTIONS

We try and avoid sending accounts to collections.  We will try our best to work with you to avoid sending your account to collections.  In the event you default on your account, your account will be turned over to a collections agency.  Once we have turned your account over to the agency, we will not be able to reverse this action.  You will be responsible for the unpaid balance and an additional 35% finance charge based upon your unpaid balance.

NON-COVERED SERVICES

Throughout the course of your treatment your physical therapist may recommend the use of a brace or other specialized equipment.  PRC Physical Therapy will not submit claims to your insurance company for these supplies.  Therefore full payment for these supplies is due at the time of purchase.  You may submit receipts for these supplies to your insurance company on your own.