Physical therapy is recommended by doctors for many reasons. Not only does it strengthen the body, it also increases flexibility and improves range of motion which speeds up the healing process. Many people will often avoid physical therapy because they don’t think their health insurance plan will cover it. Physical therapy isn’t a gym membership and it isn’t a way to get back into shape (although it does help). Physical therapy is a valuable tool that helps to speed up the healing process and in many cases is medically necessary for a full recovery.
Does Insurance Cover Physical Therapy?
Many health insurance plans include a physical therapy benefit for a specific number of visits as long as there is a physician referral provided. While a patient may have to pay for a portion of their physical therapy out of pocket, the majority should be covered by their policy or the policy of whoever is responsible for the injury (auto accidents/workers’ compensation). If there are questions about whether or not physical therapy or occupational therapy is included in a specific healthcare plan, call your insurance company and talk to an agent.
Understand What Your Insurance Covers
It’s important to know what your health insurance policy requires when it comes to certain types of coverage. While most policies include treatments and therapies that are prescribed by the doctor, some do not. Physical therapy is beneficial for both injuries and deterioration due to certain types of diseases and health condition.
A doctor will normally require a specific number of sessions to assist in the healing process. Physical therapists work hand in hand with doctors to keep them informed about a patient’s progress so they know just how many sessions will be needed.
Know Your Benefits
Don’t be bullied! Talk to both the doctor and the physical therapist to find out what can be done. Depending on what caused your injuries or illness, you may need to have an attorney work with you to make sure you get the treatment you need and that is paid for by the responsible party’s insurance.
If you need physical therapy and are concerned about how it will be paid for, speak to your doctor as well as your insurance agent. They will be able to answer your questions and get the right paperwork submitted so that you can proceed with your treatment plan and get back on the road to making a full recovery.
STI Rehab wants to help you get the care you need for recovery. View our list of accepted insurances and contact us today to see how we can help you.
