Q: DO YOU TAKE INSURANCE?
A: Here at StrongHarte Fitness & Physical Therapy, Samantha works with most major insurance companies as an out of network provider. The reason is simple—when she is not bound by insurance limitations she can maintain the highest quality of care. Evaluations are 75 minutes and treatments are an hour long—entirely one on one—every single time. Once your deductible has been met, you simply pay a co-insurance and our billing department takes care of the rest. Call today to have your benefits verified!
Q: ISN’T IT CHEAPER IF I GO IN NETWORK? AREN’T I PAYING A FORTUNE FOR MY MONTHLY PREMIUM ALREADY?
A: In network providers are without a doubt less expensive. Here is why—they hardly get reimbursed at all, and to make up for the low cost of treatment, they see you, and another, and another, and another (and another) patient at the same time. They provide, if you’re lucky, 20 minutes of manual therapy and then hand you off to an assistant or aide for the exercise correction/ strength and conditioning portion of the session. You know, the part of PT that helps you return to your highest level of fitness. And then, a few months after discharge, you are hurting again. No wonder PTs get a bad rap—and no wonder people are paying out of pocket for personal trainers and Pilates instructors. WE should be the ones getting you fit to run again, and WE are the movement experts. Under the current health care model, though, PTs cannot afford to spend the time with you that you really need to get back to doing the things you love. This less than adequate continuum of care disturbed me as a new grad and ultimately pushed me into becoming an out of network provider. I went to graduate school to change people’s lives and believe this is the only way to do that. Though my patient volume may never be that of an in network clinic, I wouldn’t have it any other way.
Q: WILL I HAVE A CO-PAY IF I GO TO AN OUT OF NETWORK PROVIDER?
A: When you go out of network, you have what is called a “co-insurance”—the difference here is that a co-insurance is considered, by the insurance companies, your percentage of what they consider reasonable and customary. So, if the total amount of services rendered was $300, and you have a 20% co-insurance, assuming your plan pays 80% out of network for what is considered reasonable and customary, you will only be responsible for 20% of that $300. Therefore, your co-insurance would be $60/visit. It might be a bit more than your $30 co-pay in network, but you get an hour of time with a Doctor of Physical Therapy no matter what, every single time. And ultimately, you get BETTER. Isn’t that what you really want?
Q: WHAT IF MY OUT OF NETWORK BENEFITS ARE NOT GOOD BUT I WANT TO SEE YOU ANYWAY?
A: There are cash rates available for those who do not want to go through their insurance. We try to stay as flexible as possible and offer package rates similar to any other fitness and wellness facility out there—therefore, the more you buy, the cheaper each session becomes. We want to do everything possible to get you in the door so you can experience the difference when you are treated like a human being, not a product in a factory. Call us today to discuss your plan details and how we can be of service to you.
*If you have inquiries about other practitioners, please contact us for more information on each individual’s relationship with insurance.