Ever heard of Insurance Physical Therapy Limits?
Physical therapy and physical rehabilitation services are a key component of the healthcare continuum, as these methods of care can address both pain and functional limitations associated with musculoskeletal (MSK) conditions.
Over the past 4 decades, there have been substantial changes in the insurance coverage for therapy and rehabilitation services. Since the ACA (Obamacare) was passed in 2012, insurance companies are now mandated to cover a certain number of physical therapy and chiropractic visits for their clients each year.
However, often there are limitations that insurance companies impose to help mitigate these new costs.
Aside from flex spending/HSA, as well as cash pay, F.I.T. Muscle & Joint Clinic often works with insurance companies to pay for the services our patients need to return to their active lifestyle.
Read on to learn about insurance physical therapy limits in Kansas City. You'll also read about what you can do to continue receiving care after you’ve hit your limit.
Insurance Physical Therapy limits in Kansas City
According to the US National Library of Medicine, visit limits usually do not account for initial diagnosis or severity, variability in rehabilitation progress, or complications. As a result, patients are responsible for escalating provider fees if they opt to continue services beyond insurance benefits.
Sometimes, this insurance physical therapy limit can be as low as 3-5. Other times, it may reach up to 12-20 (which would cover at least one visit per month).
Regardless of your insurance coverage, F.I.T. is passionate about getting you back to the speed of life. Let us know during your first visit if you would like to discuss costs, insurance, financing, or any other questions that will help put you at ease about affordable physical therapy.
What happens when I hit my insurance physical therapy limit in Kansas City?
Typically, a doctor will coordinate with your insurance company to design your care plan around your insurance physical therapy limit. Other times, it’s simply necessary to attend additional sessions.
In this case, you’ll have the option to pay the costs upfront and out-of-pocket. Some clinics even offer financing options!
A good physical therapist will do everything they can to educate you about your body and your muscles to encourage continued success after your regimen has ended.
Meet Your Deductible. Make Your Appointment.
At F.I.T. Muscle & Joint Clinic, we want to help you return to your busy, active life as soon as possible—feeling even better than before. By providing accessible service and personalized care plans, many of our patients tell us we’re on the right track.
If you need to meet your health insurance deductible before the end of the year, or need more information about how insurance physical therapy limits work, please don’t hesitate to contact F.I.T. Muscle & Joint Clinic. We’re happy to be a resource to the Kansas City community. To help you navigate the sometimes confusing world of physical therapy and chiropractic care.
You can also use our Virtual Consultation tool to discover which treatments may work best for the pain you’re experiencing.
*Check with your individual insurance company for more information about your deductible or your insurance coverage.
