Insurance

You don't need another job. We help take the pain out of insurance. We submit claims on your behalf to maximize reimbursement - whether in-network or out-of-network.

Leading "in-network" health insurance companies we partner with.

DON'T SEE YOUR HEALTH INSURANCE PLAN?

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Most patients utilize our services as an "out-of-network" provider.

 

We are a specialist care provider that only partners with leading insurance companies who choose to acknowledge and re-reimburse accordingly.  

We are credentialed with most "out-of-network" health insurance companies.

 

Your claims will be electronically submitted to "your out-of-network" provider on your behalf - making it hassle-free to utilize your available benefits.
 

While receiving care out-of-network may not be ideal, cutting corners on receiving specialized health care is often penny wise and pound foolish given we frequently get patients back to health faster and with fewer treatment sessions. 

WANT TO KEEP IT SIMPLE WITH LOW COSTS - DON"T HAVE INSURANCE?

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Cash pay rates are super affordable.

 

  • 60 min evaluation $120

  • 45-minute regular treatment sessions $90

Yes - our patients regularly tell us we should charge more as the price is less than a regular massage or fancy haircut. 

 

SELECTING YOUR HEALTHCARE TEAM

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Colorado is a “DIRECT ACCESS” state and the vast majority of plans allow you to see a physical therapist directly - without first seeing a physician and needing a prescription.

 

HMO plans are the exception and require you to have a prescription from your physician in order for outpatient physical therapy services to be covered.

UNDERSTANDING HEALTH INSURANCE COVERAGE

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What will this cost with In-Network benefits?

 Total Treatment Cost

Illustrative Estimate

Regular 45 Min Session


$70 - $95


Total Treatment Cost is primarily determined by the length of the session and service provided. 

Your share of the cost is determined by your insurance plan.

 

Your explanation of benefits (EOB) may show charges that are higher than the estimated treatment cost noted above. Medical charges stated on the EOB are different than what is allowed by insurance companies.

Keeping the Costs Down

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The current healthcare crisis, to put it bluntly, is in part due to a complete lack of understanding of how much it costs to deliver patient care. With all faults, the total treatment cost estimate is our attempt to be clear and provide transparency.


​As an "out-patient" clinic we keep the costs down. Some clinics charge ill-informed patients under an "in-patient" setting (typically affiliated with a hospital that could be at a different location), where the total treatment cost to you and/or your health insurance company can be 2 - 3 times higher. 

Our sole focus and specialty with pelvic regional diagnoses allows
How you and your insurer share costs
Sally's Insurance Plan Example
Patient Profile
Sally Smith
Coverage Period
Jan 1st - Dec 31st
Deductible
$1,500
Co-Insurance
20%
Out-of-Pocket Limit​
$5,000
Before Sally reaches her deductible

Sally is typically in good health. 

Her plan doesn't have a co-pay for physical therapy and she pays any costs until she reaches her deductible

Treatment Cost = $75
Sally Pays = $75
Plan Pays = $0
After Sally reaches her deductible

Sally has seen various healthcare professionals and her total costs have exceeded $1,500

Her plan pays a % of the covered healthcare services until her out-of-pocket-limit

Treatment Cost= $75
Sally Pays 20% = $15
Plan Pays 80% = $60
After Sally reaches her out-of-pocket limit

Jane has seen healthcare professionals often and her total costs have exceeded $5,000

Her plan pays full cost of covered health care services for the rest of the year.

Treatment Cost = $75
Sally Pays 0% = $0
Plan Pays = $75

Our Insurance Billing Process

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Common Health Insurance Terms

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In-Network Providers

An in-network provider is a healthcare professional or facility that has a contract with an insurance company to provide treatment at set negotiated rates. We may be an in-network provider with your insurance company (see partners above).

Out-of-Network Providers

​An out-of-network provider is a healthcare professional or facility that is credentialed with but has no contractual agreement to charge a specific rate with an insurance company. The insurance company recognizes the provider as being a legitimate medical professional—it knows things like the provider’s name, national provider identification (NPI) number, professional license number.

Cash Based Provider

Collect the entire payment from the patient and provide superbill for the patient to submit in order to receive reimbursement. The terms “cash-based provider” and “out-of-network provider” are often used interchangeably. However, out-of-network providers are always credentialed—and therefore recognized by the insurance company

Uninsured

If you have no health insurance or do not wish to utilize your plan, cash payment is available at $120 for an initial evaluation and $90 for a typical 45-minute treatment session.

Prior Authorization or Pre-Certification 

Pre-certification is the process of obtaining eligibility, certification and/or authorization from your health insurance plan prior to admission and receiving treatment.  Failure to obtain pre-certification from certain providers can result in additional costs to the patient.

Co-Payment or "Co-Pay"

 

A fixed amount you pay for a covered health care service, usually when you receive the service. Your co-payment is counted towards the total cost of care.

Deductible

The amount you owe for covered services, per policy period, before your health plan begins to pay.

Out-of-Pocket Limit

 

The most amount of money you will pay during a policy period before your health plan begins to pay 100% of the allowed amount.

Savings Account

We accept health savings account (HSA) or flexible spending account (FSA) cards as a form of payment, and we are also proud Medicare and Tricare providers.

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Before First Visit,
Patient Calls Their Health Insurance Provider to Understand Physical Therapy Benefits and Share of Treatment Cost.  

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At Time of Service, Patient Pays Copay or Patient's Share of Treatment Cost. As a Courtesy, We Will Gain Pre-authorization on Your Behalf

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Health Insurance Company Sends Explanation of Benefits (EOB) to Patient and Pelvic Therapy Specialists
The balance, if any, between Patient Share of Cost on EOB and Patient Paid Share of cost will be invoiced and charge on payment card on file

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Copyright @2018 Pelvic Therapy Specialists, PC. All rights reserved.

 

Our clinic serves all of the Denver metro area, including: Boulder, Louisville, Superior, Lafayette, Longmont, Arvada, Westminster, Thornton, Brighton, Erie, Frederick, Firestone, North Denver, Northglenn, Broomfield, Golden, Wheat Ridge, Lyons, Lakewood, Dacono, and Commerce City