Insurance or Self-Payment Options

It is our goal at Compass Physical Therapy LLC to help all patients find a way to afford the help they need. We will work with you to find a scheduling/payment solution that works for both of us.


INSURANCE PAYMENT OPTION

Compass Physical Therapy LLC works with most commercial insurances. We also work with Medicare, Workers’ Compensation and Personal Injury insurances.

As a courtesy, we will bill your insurance company. You are responsible for deductible, copays and co-insurance.  By law, we must collect copays at the time of service. Once your claim has been processed by your insurance company, we will send you a Compass Physical Therapy statement near the first of the month. This statement ONLY includes charges that are your responsibility. If you would like a complete statement of ALL charges, email billing@CompassPTBend.com. If you have questions regarding your bill or a payment, call or email Rhonda at rhonda@CompassPTBend.com. See below for more explanation of insurance terms.


SELF-PAY OPTION

Compass Physical Therapy LLC has a program of discounted rates for those who do not have insurance, have high insurance deductibles, or are unable to meet their insurance requirements (for example, an inability to obtain a referral/prescription for physical therapy). We are able to provide these discounted rates because we do not have the cost of billing insurance, sending statements, etc.

These fees must be paid at the time of service. If not paid at the time of service, you will not be eligible for discounted rates unless prior arrangements have been made with the office staff. You also agree not to submit claims to your insurance after payment is made.

Please contact our office at 541-728-0974 to discuss self-pay options.


Insurance Terms

Deductible:

Amount of charges you are responsible before your insurance pays.  Most plans require your deductible to be satisfied before your insurance will pay toward physical therapy. Call your insurance carrier to determine if you have any remaining deductible. We will also call to verify your benefits.

Copayment/Copay:

Your insurance may require you to pay a set dollar amount at each visit. For example, some insurance requires a $35 copayment for each office visit, regardless of the type or level of services provided during the visit. By law, we are required to collect copays at the time of service.

Coinsurance:

Instead of a flat copay amount, your insurance may require you to pay a percentage of your charges, typically between 10% and 40%.  These are usually not required at time of service. However, many people prefer to pay at least a portion of their estimated coinsurance up front rather than receive a large bill later.
 
We encourage you to call the customer service number on your insurance card to determine your benefits. We will also call on your behalf and help you make sense of your benefits when you come for your appointment.

Please Remember:

You are ultimately responsible for charges incurred during your physical therapy that are not covered by your insurance.