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Insurance & Billing

Sometimes, the most stressful part of physical therapy can be figuring out how billing works. We’re here to provide you all the details up front.

Everything you need to know about billing:

  • We start off by verifying your benefits so that we know how much your copay for physical therapy costs.
  • We collect the copay at your visit and apply it to your account with us.
  • We submit a claim to your insurance company so they are aware of your appointment. It can take the insurance company around 45 days to process your claim.
  • We review the claim once it has been processed, and let you know if there is a balance or a refund coming your way. If you need to pay a remaining balance, please click the button below.
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What insurances does Pappas OPT accept?

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Pappas OPT is in-network with the majority of insurance carriers. We accept:

  • Aetna
  • Blue Cross of Rhode Island
  • Medicare
  • Tufts
  • United Health
  • Harvard Pilgrim
  • Neighborhood Health Plan of Rhode Island
  • Tricare

Insurance can seem complicated. If you have any questions about your insurance or how billing works, please contact our friendly billing department by calling (866) 317-0006 or by emailing [email protected].

Haven’t booked your appointment yet? Don’t let the stress of billing get in the way of managing your pain. Contact us today to get started.

Do you have a High Deductible Health Plan?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket up front before tapping into their insurance benefits.

The IRS says that a health plan is considered an HDHP if:

  • The deductible is $1300 or more, for individuals
  • The deductible is $2600 or more, for families
    How does an HDHP affect you?

It can be daunting to pay for your physical therapy out of your pocket.

But getting physical therapy sooner rather than later has been proven to save you money—and time—in the future by avoiding expensive surgeries and unnecessary medications.

We don’t want anything to get in the way of your treatment. That’s why care at Pappas OPT costs 47% less than the national average.

If you have a HDHP and are concerned about the costs of physical therapy, contact us today to discuss your options. We deal with insurance providers on a daily basis and have a number of resources at our disposal to help our patients.

Contact our billing department to ask about your HDHP at (866) 317-0006.

YIKES. SO HOW CAN PAPPAS | OPT HELP ME?

At Pappas OPT, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:

FLEXIBLE SPENDING ACCOUNTS & HEALTH SAVINGS ACCOUNTS

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance. There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different – it’s best to contact your insurance provider for details on eligibility and benefits.

ACCEPTED INSURANCE PLANS

We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.

ANOTHER BONUS?

Pappas OPT's therapists are specialists, not generalists, which means you get results in fewer visits, saving you time and money.

THE BOTTOM LINE:

Don’t delay or avoid physical therapy due to your high deductible plan. We can work with you no matter your financial situation and someone’s always available to talk. If you want to consider private pay, or other options, let’s discuss it! Our friendly, knowledgeable billing concierge can help. Contact Judy Loens - [email protected] or 401-785-1016.

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