Health Insurance

Sports Center participates in many health insurance networks to make our services as accessible and affordable as possible. To get a current list of the networks we're in, click here.

Health insurance can be confusing. To help you understand your insurance benefits, we will call your insurance company, with your permission, and find out the details regarding your benefits and explain in detail the three things you must know to reduce any confusion and make your time at Sports Center focused as much as possible on improving your health:

• What are your insurance benefits for physical therapy?
• How much of your bill will your insurance pay?
• How much of your bill will you have to pay?

Health Insurance 101
If you have never used your health insurance benefits or done so infrequently, you may not understand terms like co-insurance 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 before the insurance policy pays its part of the expense. (For example, if the deductible is $500, then the patient must pay the first $500 of the covered medical costs before the insurance co. will pay anything at all.)

Co-insurance is where the Patient and the Insurance Company share the covered procedures under a policy in a specified ratio. Example: (80 percent paid by the Insurance co and 20 percent by the Patient).

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

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

Many plans have visit limitations for Physical Therapy either a Number of Visits or a Dollar Amount. Sometimes this amount is included with Speech Therapy and Occupational Therapy

PLEASE NOTE
United Health Care (UHC) clients will need to fill out UHC paperwork. We can email this paperwork to them before the initial consultation to save time. The client may not be seen for a visit until they have filled out this paperwork.

BlueCross BlueShield (BCBS) Group 38000 and HMO clients will need to have a referral from their Primary Care Physician sent to BCBS (this is the physician named on their insurance card). The client can not come in for a visit until we have this information.

If you have any questions, please feel free to call us at 512-206-0433 and we will be happy to help you.