There are many plans for each insurance company- often individualized by your employer- so every plan is different and often changes each year. We accept many insurance plans. We also accept the individual plans through the Affordable Care Act- here in CT known as Access CT.
Please call the Member Services phone number on the back of your card to be sure your insurance is active and they have us as being a provider. We will do the same by calling the Provider Services number on the back of your card to determine your benefits and both of our responsibilities for proper authorization, billing and payment. However, we can never be certain of this verbal information until the first EOB (Explanation of Benefits) is received. If there is a discrepancy, our officer manager will call the insurance company with you to be sure we all have the correct information.
If you have a high deductible plan- we will ask for some estimated or partial payment towards satisfying that deductible at each visit. Any set co-pay is expected at each visit.
We accept HSA plans as well as credit (Mastercard, Visa, American Express), debit, personal checks and cash.
Some insurance companies (Anthem, CIGNA, Aetna, United Healthcare) contract with outside companies to manage your care (Orthonet. ASH) who require us to send in your initial evaluation and they will determine the number of treatments you can have- not withstanding your benefits.
For the few insurance companies, for which we are not providers (ie: Oxford) – we are “out-of-network” providers and can still bill your insurance with a higher deductible or percentage paid by you.
If you’ve been in a car accident- you MAY have medical benefits as part of your car insurance. You need to find this out when you report the claim. If you do not have “Med Pay”- then you can use your health insurance. CT is a “no-fault” state which means you must use your own insurance (auto or health) and then if the other person is at fault- their insurance will reimburse your insurance company. This way you are dealing with your own insurance and not a strange company-with which you have no prior relationship.
If you have a Worker’s Compensation injury- you must have a referral from the employer’s designated physician and treatment must be authorized by the case manager of your claim.