As we near the end of 2019, many of you might find yourselves in a situation where your insurance deductibles and out-of-pocket maximums have already been met for the year, meaning the insurance company will typically pay 100% of your medical costs. Others have a flexible spending account and oftentimes those funds are lost at year-end, if not spent. So how does this affect you when it comes to those aches and pains that you've been meaning to take care of?
Sometimes aches and pains seem to come out of nowhere, and other times what seems like a simple injury results in lasting pain. Maybe you've been experiencing a pinching sensation in your elbow whenever you lift something heavy, or maybe your back pain is flaring up more frequently than it used to. Do you feel pain in your shin every time you run? These are all issues that physical therapy or occupational therapy can help with. In addition to common aches and pains, we also work with segmented populations including children, injured workers, runners, and athletes plus many more.
If your policy renews in January 2020, now is the time to get in for therapy to get those issues resolved, especially if your insurance deductible has been met. Your cost for therapy services may be significantly reduced, or better yet – covered 100%, depending on your individual plan, and if your deductible has been met. So now is the perfect time to give physical therapy a try!
Furthermore, some insurance companies have limits on the number of physical or occupational therapy visits you are allowed per calendar year. If you haven't used all of you allowed therapy visits for the year, it's important to take advantage of them before they expire! Oftentimes your treatment may just consist of a few visits.
We're Here for You
The good news is, you can go directly to therapy and schedule an appointment any time, without a referral from a physician under the Direct Access law. Plus, we offer complimentary consultations where you can talk about your pain or injury, one-on-one with a therapist, and see how therapy can help you. Our clinics conveniently open early and stay open late, and we accept most insurance plans.
If you have questions about how physical therapy or occupational therapy will affect your insurance deductible, we'll call your insurance company for you to help you understand your benefits. Don't let pain or an upcoming surgery prevent you from doing the things you love, request a free consultation today. With over 190 clinics, we're always close to home. Find the location nearest you, here.
Beneficiaries of federal health care programs are not eligible to participate in the complimentary screening.