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Need help with your insurance?

We Accept Most Insurance Plans for Physical Therapy, we invite all patients to use this page as a resource when calling your insurance company to verify benefits prior to your visit.  If at any point in time you have a question we have not addressed, please feel free to call us at 269-409-8626 or email us at and we will do our very best to answer your questions.

Most Insurance Plans have member service representatives available to assist in understanding your plan’s specific benefits like deductibles, coinsurance and copays. Your insurance company may be unwilling to provide any other information than the basic plan benefits to our office. Insurance contracts are between you the member, employer and the insurance carrier.

We will attempt to obtain as much information as we can, however; the insurance company may limit the information they provide us. Therefore, we advise you to contact the insurance carrier to obtain the plan’s specific benefit information so you can be informed of your coverage and benefits.


In-network or participating provider: The healthcare professional has a contract with your insurance company agreeing to a dollar amount for a service and adjusts the fee based on the contracted amount.

Out-of-network or non-contracted provider: The healthcare professional does not have a contract for services with the insurance company. There may be benefits available, however; the benefit is not determined until the claim is reviewed. Therefore, the insurance company is not able to provide the dollar amount for a service to an out of network provider.

HMO (Health Maintenance Organization) vs. PPO (Preferred Provider Organization) plans: With an HMO, you have benefits available only when you received services from an in-network or contracted provider. PPO plans allow benefits for both in and out-of-network providers. Occasionally, if receiving a service from an out-of-network provider or facility the benefit may be reduced but, there is still coverage of some dollar amount.

Deductible: The dollar amount that must be satisfied prior to the insurance plan making payment or reimbursement.

Co-Insurance: The percentage the member is responsible for covering after the deductible is met.

Reasonable and customary limits or allowed amounts for services: The arbitrary amount an insurance company sets as the fee for a particular product, procedure, or service. (For example: there is usually a visit limit for PT/OT/SLT)

Exclusions and limitations: There are times where an insurance plan or group will not provide any payment or allow any benefit for a particular diagnosis or service. Limitations are occasionally seen as a maximum amount an insurance company will allow or pay for a particular diagnosis or service. The limit can be either in the form of a dollar amount or percentage.

CPT (Current Procedural Terminology) code: The code or number that represents the service, procedure, or equipment being performed or provided on the claim form. (We can provide the most common codes used)

ICD 10 (International Classification of Diseases) – Diagnosis code: The code or number that represents why the service, procedure or equipment was done or provided 

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