Insurance & Medicare Coverage Information
What insurance plans does Xcel Physical Therapy accept?
Xcel Physical Therapy accepts most major insurance plans, including Medicare, Anthem Blue Cross, Blue Shield, Aetna, Healthnet, Tricare, Cigna, Workers' Compensation, and many other commercial insurance providers.
Do you accept Medicare at Xcel Physical Therapy?
Yes. We are a Medicare-approved provider and accept Medicare patients for all physical therapy services. We handle all Medicare billing and paperwork on your behalf.
Does Medicare cover physical therapy?
Yes. Medicare Part B covers outpatient physical therapy services when deemed medically necessary by your physician. Medicare may cover 80% of the approved amount, and you may be responsible for the remaining 20% and any deductible.
How do I verify if my insurance covers physical therapy?
To verify your coverage, you can:
- Call our office and our team will check your benefits
- Contact your insurance provider directly
- Check your insurance policy documents
We verify benefits before your first appointment to avoid surprises.
Do I need a referral for insurance coverage?
Some insurance plans require a physician's referral for coverage, while others allow Direct Access. Our team will check your specific plan requirements and guide you accordingly.
What information do I need to provide for insurance verification?
Please provide us with:
- Your insurance card
- Policy holder's name and date of birth
- Insurance ID and group number
- Primary care physician information (if required)
What if I don't have insurance?
We offer affordable self-pay options for patients without insurance. Contact our office to discuss payment plans and pricing options that fit your budget.
What is my financial responsibility?
Your financial responsibility depends on your insurance plan and may include:
- Deductibles
- Copayments
- Coinsurance
- Out-of-pocket maximums
We will provide you with a cost estimate before your first appointment.
Does Medicare have a cap on physical therapy services?
Medicare no longer has a strict cap on therapy services. However, there may be a threshold where your therapist must confirm that services remain medically necessary. We handle all documentation requirements for you.
Will my insurance cover my entire treatment plan?
Coverage depends on your specific plan and medical necessity. Your therapist will work with you and your insurance provider to maximize your benefits and minimize out-of-pocket costs.
How do you bill my insurance?
We submit claims directly to your insurance provider on your behalf. Our billing team handles all paperwork, follow-ups, and appeals so you can focus on your recovery.
What happens if my insurance denies coverage?
If your insurance denies coverage, our billing team will:
- Review the denial reason
- File an appeal if appropriate
- Work with you to explore alternative payment options
Do you accept workers' compensation?
Yes. We accept workers' compensation cases and work closely with employers and case managers to ensure proper documentation and return-to-work planning.
Do you accept auto insurance (PIP) claims?
Not at this time. TBD.
What if I have questions about my bill?
Our billing team is available to answer any questions about your statement, charges, or insurance claims. Contact us and we'll be happy to assist.
Do you offer payment plans?
Yes. We offer flexible payment plans and options for patients who need financial assistance. Contact our office to discuss arrangements.
How do I get started?
Getting started is easy! Simply contact us to schedule your first appointment. Our team will verify your insurance benefits and guide you through the entire process.
Still have questions about insurance or Medicare?
Contact our billing team today. We're here to help you understand your coverage and make your care affordable.