ALL MAJOR INSURANCES ACCEPTED
Zenergy Physical Therapy is contracted with the following health insurance providers, these include, but are not limited to:
Aetna
Anthem Blue Cross
Auto Club Association
Blue Shield
Cigna
First Health Coventry
Healthfirst
Healthnet
Humana
Magellan Healthcare
Medicare
MedRisk
Mutual of Omaha
State Farm
TriCare
TriWest
USAA
United HealthCare
Worker's Compensation
Veteran's Administration
*All HMO managed plans will need physician's order/ referral and authorization number prior to appointment.
*Deductibles are dependent on your insurance plan, to see if your physical therapy benefit is included check with your insurance provider.
Need Help? Questions? Give us a Call 858-792-1124 or email us at zenergyholisticpt@gmail.com
No Insurance? High Deductibles? HMO ? EPO? Out of Network?
We offer Exclusive Special Cash rates for Physical Therapy services.
Zenergy Physical Therapy is contracted with the following health insurance providers, these include, but are not limited to:
Aetna
Anthem Blue Cross
Auto Club Association
Blue Shield
Cigna
First Health Coventry
Healthfirst
Healthnet
Humana
Magellan Healthcare
Medicare
MedRisk
Mutual of Omaha
State Farm
TriCare
TriWest
USAA
United HealthCare
Worker's Compensation
Veteran's Administration
*All HMO managed plans will need physician's order/ referral and authorization number prior to appointment.
*Deductibles are dependent on your insurance plan, to see if your physical therapy benefit is included check with your insurance provider.
Need Help? Questions? Give us a Call 858-792-1124 or email us at zenergyholisticpt@gmail.com
No Insurance? High Deductibles? HMO ? EPO? Out of Network?
We offer Exclusive Special Cash rates for Physical Therapy services.
Insurance, a Quick Rundown....
Insurance InformationWhen you schedule a Physical Therapy appointment and you wish to bill your treatments through your insurance Office Staff will help to verify your insurance benefits.
Direct Access, In the state of California, patients are able to be evaluated and treated by licensed physical therapists without a physician referral under the legislation. This means you do not have to wait to be treated for pain or injuries that would immediately relieved from physical therapy services.
This allows you to expedite treatment while saving money, reducing injury time and allows you return to normal function and way of life faster, rather than waiting and spending extra money for your next primary care appointment for a referral.
For self-pay patients and some insurances, you do not need a physician referral to come to Zenergy Physical Therapy for treatment. However, there are those insurance companies that require a physician referral in order to cover your PT visits. Call our office and we will be happy to verify benefits with your insurance company. We will be more than happy to contact your insurance provider and determine your benefits under direct access for you.
Insurance Terms
Deductible: A deductible is usually a set dollar amount that you have to pay out of pocket before the insurance will cover the remaining expenses. Depending on the insurance plan, the deductible can vary from $0 all the way up to thousands of dollars. It can also be paid per sickness/injury (per condition) or per certificate period.
Copay (copayment): Copays are a set amount of money you pay each time you come to physical therapy. Copays tend to be smaller dollar amounts than deductibles and are applied on a per visit basis ,so that means you would have to pay it each visit. Your copay will be collected prior to every session.
CoInsurance : Coinsurance is a percentage, and represents the percentage cost that you will need to pay and the insurance plan will pay towards your eligible medical expenses. Some common coinsurance samples include: 80/20, 90/10 or 50/50 – so if you have 80/20 coinsurance on your insurance plan, it means that the insurance company will cover 80% of your medical cost and you are responsible for paying the other 20%. A deductible is commonly use together with coinsurance. In this case you would pay the deductible amount first and after you would have the left over coinsurance amount.
HMO means "Health Maintenance Organization." HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan.
EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.
PPO which stands for Preferred Provider Organization, is defined as a type of managed care health insurance plan that provides maximum benefits if you visit an in-network physician or provider, but still provides some coverage for out-of-network providers.
* Medical Liens accepted, inquiries please call 858-792-1124 or email zenergyholisticpt@gmail.com.
Insurance InformationWhen you schedule a Physical Therapy appointment and you wish to bill your treatments through your insurance Office Staff will help to verify your insurance benefits.
Direct Access, In the state of California, patients are able to be evaluated and treated by licensed physical therapists without a physician referral under the legislation. This means you do not have to wait to be treated for pain or injuries that would immediately relieved from physical therapy services.
This allows you to expedite treatment while saving money, reducing injury time and allows you return to normal function and way of life faster, rather than waiting and spending extra money for your next primary care appointment for a referral.
For self-pay patients and some insurances, you do not need a physician referral to come to Zenergy Physical Therapy for treatment. However, there are those insurance companies that require a physician referral in order to cover your PT visits. Call our office and we will be happy to verify benefits with your insurance company. We will be more than happy to contact your insurance provider and determine your benefits under direct access for you.
Insurance Terms
Deductible: A deductible is usually a set dollar amount that you have to pay out of pocket before the insurance will cover the remaining expenses. Depending on the insurance plan, the deductible can vary from $0 all the way up to thousands of dollars. It can also be paid per sickness/injury (per condition) or per certificate period.
Copay (copayment): Copays are a set amount of money you pay each time you come to physical therapy. Copays tend to be smaller dollar amounts than deductibles and are applied on a per visit basis ,so that means you would have to pay it each visit. Your copay will be collected prior to every session.
CoInsurance : Coinsurance is a percentage, and represents the percentage cost that you will need to pay and the insurance plan will pay towards your eligible medical expenses. Some common coinsurance samples include: 80/20, 90/10 or 50/50 – so if you have 80/20 coinsurance on your insurance plan, it means that the insurance company will cover 80% of your medical cost and you are responsible for paying the other 20%. A deductible is commonly use together with coinsurance. In this case you would pay the deductible amount first and after you would have the left over coinsurance amount.
HMO means "Health Maintenance Organization." HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan.
EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.
PPO which stands for Preferred Provider Organization, is defined as a type of managed care health insurance plan that provides maximum benefits if you visit an in-network physician or provider, but still provides some coverage for out-of-network providers.
* Medical Liens accepted, inquiries please call 858-792-1124 or email zenergyholisticpt@gmail.com.
