Health Insurance

Sports Center participates in many health insurance networks to make our services as accessible and affordable as possible. Below is a current list of insurance networks in which we participate.

-Aetna
-Assurant Health/Time Insurance Company
-Blue Cross Blue Shield (BCBS)
-Beech Street
-Cigna
-Coventry/First Health
-Golden Rule
-Group Benefit Administrators
-Guardian
-Great West
-Humana
-Principal
-Multiplan/PHCS
-Seton Expanded EPN
-Texas True Choice
-Tricare
-Unicare
-United Healthcare

We understand health insurance can be confusing. And that’s why we explain and help you understand your health insurance benefits.

With your permission, we’ll call your insurance company and find out the details regarding your benefits. Then, we’ll explain — in plain English — the three things you must know to reduce confusion and get the most out of your time at Sports Center:

1. What are your insurance benefits for physical therapy?
2. How much of your bill will your insurance pay?
3. How much of your bill will you have to pay?

Contact us if you would like us to help you understand your health insurance benefits.

Health Insurance 101

If you have never used your health insurance benefits for physical therapy, you may be unclear about certain terms such as coinsurance or deductible. Below, we explain some of the more common elements of health insurance.

Deductible is the initial portion of a covered expense that must be paid by the insured person, you, before the insurance policy pays its part of the expense. Example: If your deductible is $500, then you must pay the first $500 of the covered medical costs before the insurance company will pay for your care.

Co-insurance is when you and your insurance company share the covered procedures under a policy in a specified ratio. Example: 80 percent of your care is paid by the insurance company and 20 percent is paid by you.

Co-pay is an arrangement where the insured party, you, pays a specific amount for services and the insurance carrier pays the remaining charges.

Maximum Benefit Amount (MAXBEN) is when the insurance company will pay for care up to a certain dollar amount. Example: You have a $500.00 MAXBEN. The insurance company will only pay for your services up to the $500.00 maximum.

Out of Pocket Max (OOPMAX) is the total amount a client, you, will have to pay out of pocket in one year. After the OOPMax has been met, typically the insurance company will cover you at 100%.

Many plans have visit or dollar limitations for physical therapy. Sometimes this amount is included with Speech Therapy and Occupational Therapy.

PLEASE NOTE:
Some United Health Care (UHC) plans require that their patients fill out additional paperwork.  We will email this to you prior to your initial consultation to save you time.

Some BlueCross BlueShield (BCBS) plans require a referral on file from your Primary Care Physician (PCP). Your PCP is listed on your insurance card.

To find out what your unique benefits look like, contact us and we will be happy to look into your insurance coverage.