At Body Gears Physical Therapy, we want our patients to be fully aware of their options regarding their health care. This means understanding the in’s and out’s of health insurance.

We offer complimentary insurance benefit checks.

Unsure about your insurance benefits? If you contact us with your insurance information then we will contact your insurance provider on your behalf then provide you the estimated quote we get from your provider.

If you plan to call your insurance provider for a quote then please use our legal name “Dynamic Physical Therapy” as this will be better recognized by your provider.

Why should I be aware of my benefits?

In order to determine how much you will owe for a date of service, it is imperative that you know your benefits. Insurance plans can have deductibles, co-insurances, co-pays, or any combination of the three. Understanding what your insurance company will cover and what your out-of-pocket expense will be before your plan of care begins will help you plan and budget accordingly, so you are not surprised by any balance you may be asked to pay.

What is a deductible?

A deductible is an amount of money set by your insurance policy that needs to be paid out-of-pocket annually before your insurance company will start to pay out benefits. Once you meet this deductible amount, you still may owe for co-insurance or co-pay amounts.

What is a co-pay?

A co-pay is a fixed dollar amount to be paid by you before your insurance company will pay out any benefits for a specific date of service.

What is a co-insurance?

Co-insurance is a percentage of the total payable amount that you will owe for a specific date of service. These are usually presented as 80%-20% or 70%-30%. The first percentage indicates the portion of the payable amount your insurance company will cover, while the second percentage indicates the portion of the payable amount for which you will be responsible. Example: If you have an 80%-20% plan and if the payable amount for your date of service is $100, your insurance company will pay $80 towards the total, and you will be responsible for the remaining $20.

In-network benefits vs. out-of-network benefits:

Body Gears accepts both in-network and out-of-network insurance plans.

  • In-network – Your provider’s office is contracted with an insurance company to accept their discount for a date of service (payable amount). Benefits are calculated based on this payable amount.
  • Out-of-network – Your provider’s office is not contracted with an insurance company. Many plans offer out-of-network benefits, so they are calculated based on the total billed amount.

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