Insurance

Accepted insurance carriers

We work with many major insurance providers to make physical therapy accessible. The list below is representative, but coverage may vary.

Disclaimer: Insurance plans change regularly. Confirm your physical therapy benefits with your health plan before your visit.

Self-pay & private pay options

If you don’t have insurance or have reached your plan’s limit for physical therapy visits, you can still get the care and treatment you need. Mountain Land Physical Therapy Partners offers a self-pay fee for those who do not have health insurance or those who have maxed out their benefits.

Understanding your insurance benefits

Having insurance doesn’t always mean your care is free. Most plans ask you to share some of the cost. This can include things like deductibles, copays, and coinsurance. Understanding these terms before your visit can help you feel more prepared and avoid surprises.

Here’s a simple guide to the most common insurance words you may see.

Term	What it means
Deductible	The amount you must pay each year before your insurance starts helping pay for care. Once met, you will usually be responsible for a copay/coinsurance.
Copay	A set fee you pay at each physical therapy visit.
Coinsurance	The percent of the cost you pay after your deductible is met, you’re responsible for until your OOP is met.
Premium	The monthly payment you make to keep your health insurance.
Out-of-pocket maximum	The most you should pay for covered care in a year. After that, insurance pays the rest.
In-network vs out-of-network	In-network providers work with your insurance and usually cost less. Out-of-network providers may cost more.
Referral	A recommendation for physical therapy from another physician.
Prior authorization	Permission from your insurance company before treatment begins.
Visit limits	The number of physical therapy visits your insurance will cover.
Date of service	The day you received treatment.
CPT code	A code that describes the service you received during your visit.
Billed amount	The full amount the clinic charges for a service.
Adjusted amount	The lower amount your insurance agrees to pay.
Patient responsibility	The part of the bill you must pay.
Explanation of benefits (EOB)	A statement from your insurance showing what was billed, what was paid, and what you may owe.
Medicare Part B coinsurance	With Medicare Part B, you usually pay 20% of the approved cost for physical therapy after the deductible.

What to expect at your visit

When you come in, you will be prompted to pay at the time of service, this may be required if your insurance plan has a required copay. However, the final cost may change depending on your treatment needs and duration. It’s important to compare your receipt with your Explanation of Benefits (EOB) after your visit to ensure everything matches.

If you have questions, reach out to your Mountain Land Physical Therapy Partners Billing Team. They will be happy to assist you.

• Save time: Pay Your Bill online.
• Know your protections: learn about the No Surprises Act

Payment plans available

At Mountain Land Physical Therapy Partners, your care comes first.

We want to make it as easy as possible to get the treatment you need. If cost is a concern, we can set up a payment plan that works with your budget. Your account manager will help you find a solution that makes sense for you.

Questions to ask your insurance before starting physical therapy

Before your first visit, it helps to know the right questions to ask your insurance:

• What is my deductible, and have I met it?
• Does my deductible apply to physical therapy?
• What is my copay or coinsurance for outpatient physical therapy?
• Do I need a referral or prior approval?
• How many physical therapy visits does my plan cover each year?
• Is Mountain Land Physical Therapy Partners in-network with my insurance?
• If I have Medicare, does my secondary plan cover the 20% coinsurance?

Common insurance plan types

Understanding your plan can make it easier to know what’s covered and what rules apply. Here’s a simple guide to the most common types of insurance plans for physical therapy:

Plan type	What it means for physical therapy
HMO (Health Maintenance Organization)	A plan that usually requires you to see in-network providers and get a referral from your doctor before starting physical therapy.
PPO (Preferred Provider Organization)	A plan that lets you see both in-network and out-of-network physical therapists. You usually pay less if you stay in network.
EPO (Exclusive Provider Organization)	A plan that only covers in-network providers. You usually do not need a referral, but out-of-network physical therapy is not covered.
Medicare	A federal health insurance program for people age 65 and older and some younger people with disabilities. Medicare Part B helps pay for outpatient physical therapy.
Medicaid	A government health insurance program for people with limited income. Coverage for physical therapy depends on the state and the plan.
Workers’ compensation	Insurance that pays for physical therapy if you were injured while doing your job.
Auto or personal injury	Insurance that may cover physical therapy if you were hurt in a car accident or another injury caused by someone else.