FAQs
Patient Responsibilities, and Insurance
Answers to Your Questions About Treatment
At Petroski Physio, we are committed to guiding you through the entire physical rehabilitation process. Our goal is to make your experience seamless, including simplifying the billing process and ensuring all your questions are answered.
Insurance and Billing
We handle the billing process on your behalf by submitting claims to your insurance company. We also assist in collecting any amounts due from you, which may include:
- Deductible: The amount you must pay before your insurance begins covering services.
- Copayment: The fixed amount payable at the time of your appointment.
- Co-insurance: A cost-sharing method where you pay a percentage of your medical services after your deductible is met.
- Non-covered Services: Costs for any services not covered by your insurance plan.
We highly recommend that you contact your insurance provider before your first appointment to confirm coverage for therapy services. It’s important to understand which services are covered and your out-of-pocket responsibilities.
*Please note: Estimated coverage information is provided as a courtesy and does not release patients from full responsibility of their account balance. The estimation is based on a negotiated contract, and any remaining balance will be billed to you after additional information is received from your insurance company.
Frequently Asked Questions
What is a deductible?
A deductible is the amount you are responsible to pay for medical services before your health insurance begins to pay. If your health plan deductible has not been met, we may be required to collect a portion of that payment at each visit.
What is a copayment?
A copayment is a fixed amount you will pay for medical services at each visit. If your plan has a deductible for therapy services and it has not been met, you will be required to satisfy your deductible before the copayment would apply.
How do I know if I have a copayment?
Your insurance card likely lists information about your required copayment. You may also find information in your insurance benefit book or your employer’s human resource department, as well as by calling your insurance company’s customer service department. That number may be listed on the back of your insurance card.
Why do I have a copayment?
Your copayment amount is based on your contract with your insurance company — usually chosen by you or your employer
What is coinsurance?
Coinsurance is a form of cost sharing that requires you to pay a percentage of your medical services after your deductible has been met. Based on your insurance plan, we may be required to collect a portion of your coinsurance at each visit.
How do I make payment?
We accept all major credit cards, cash or checks. Payments can be made at the center where you’re receiving care, mailed to the address on your statement or by using our online payment option once a statement is received.