Insurance & Billing

We accept all major insurance carriers and participate with many local provider networks. If you do not see a provider listed, we can verify insurance for you. For quick and easy verification, please call (480)706-1161 or email [email protected].

MEDICARE

For Medicare patients, physical therapy is covered. Your therapist will work on developing a Plan of Care that meets Medicare requirements.

WORKER’S COMP

For Workers’ Compensation, your medical expenses are covered under the Workers’ Compensation laws in Arizona.

SELF PAY

Competitive self pay options are also available. The rates for your initial evaluation and subsequent visits should be discussed with your physical therapist and the clinic director. Be aware that if you are covered under a health plan but decide to self pay, your payments will not reflect on your deductible, and you will not be able to resubmit those services later to your insurance company.

Don’t let the stress of billing and insurance stand in between you and a pain-free life. We’re here to help you every step of the way.

Do you have a High Deductible Health Plan?

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone. Navigating the healthcare system can be stressful—financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later…and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, medication, and surgery.

Let us help you get the care you need without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

Here’s what you need to know:

What is a High Deductible Health Plan?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load. According to the IRS, in 2021, a health plan is considered an HDHP if….

• The deductible is $1,400 or more, for individuals
• The deductible is $2,800 or more, for families

YIKES. SO HOW CAN PROACTIVE PT HELP ME?

At ProActive, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physiotherapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment options, including:

FLEXIBLE SPENDING ACCOUNTS & HEALTH SAVINGS ACCOUNTS

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance. There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different. It’s best to contact your insurance provider for details on eligibility and benefits.

ACCEPTED INSURANCE PLANS

We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.

Another Bonus?

The therapists at ProActive are specialists, not generalists, which means you get results in fewer visits, saving you time and money. In fact, care at ProActive costs 67% less than the national average.

The Bottom Line:

Don’t delay or avoid physiotherapy due to your high deductible plan. If you have questions about your specific plan, let’s discuss it! Our friendly, knowledgeable billing team can help.

NO REFERRAL NEEDED

Arizona is a jurisdiction that allows direct access to physical therapy services. This means that you are able to be evaluated and treated by a physical therapist without a prescription from your physician or healthcare professional. In May 2003, House Bill 1229 was signed into law stating that physical therapists no longer needed a referral from their physician to obtain licensed physical therapy services.

With healthcare costs rising, ProActive is striving to be part of the solution by giving patients rapid access to services, communicating with other healthcare providers involved in the care of the patient, and by providing a continuum of services to meet the needs of the population.

Contact us to schedule a Complimentary Injury Assassment, a free, no obligation injury assessment by a licensed physical therapist to see if you would benefit from physical therapy services, a home program or a referral to a physician.

* For Insurance coverage, specific requirements from your insurance may not allow Direct Access referral. Some insurances require physician referral for coverage, we are able to help with the guidelines.

If you already have a referral from a physician and you are ready to set up your full initial evaluation, request an appointment.