All Care Therapies of Georgetown accepts most major insurance plans. We are currently in-network with the following providers: Commercial Insurance: • Blue Cross Blue Shield (BCBS) • Cigna • Humana • Tricare • United Healthcare (Optum) • Multiplan • Scott and White Health Plan Medicare & Medicaid Plans: • Traditional Medicare • Traditional Medicaid • Wellpoint Medicaid • Blue Cross Blue Shield Medicaid • Superior HealthPlan STAR (foster care plans)

Many health insurance plans provide benefits for Physical Therapy, Occupational Therapy, and Speech Therapy. However, coverage may vary based on factors such as age, diagnosis, medical necessity, and the number of visits allowed per year. Before your first appointment, our team will verify your benefits and review your coverage with you, including any visit limits, copays, deductibles, or authorization requirements. Please note that while insurance may provide therapy benefits, coverage decisions are ultimately determined by your insurance company. Patients are responsible for any portion of services not covered by their plan.

Your insurance company will send you an Explanation of Benefits (EOB) after each visit. The EOB outlines: • The amount billed • The amount your insurance paid • Any copay, coinsurance, or deductible applied • Your remaining patient responsibility EOBs are typically available online through your insurance portal, and reviewing them can help you track your coverage and payments. If you have questions about your EOB, our team is happy to help clarify what the information means.

All co-pays, co-insurance, deductibles, and fees for non-covered services are due prior to the start of each therapy session. For individuals without insurance coverage, payment for services is also due before each session. We are committed to transparency and will review any expected costs with you before your appointment. Interest-free payment plans are available when needed; however, we ask that client balances remain below $300.

If you choose to contact your insurance company, we recommend taking detailed notes during the call. When you call your insurance company, it may be helpful to write down: • The date of your call • The name of the representative you spoke with • The information they provided about your coverage • The reference number or call ID for the conversation Keeping this information can be helpful if questions arise about coverage or claims. If you receive information that affects your therapy services, please share it with our office so we can assist you as needed.

Yes. Before your first appointment, our office will verify your insurance benefits and review your coverage with you, including any copays, deductibles, or authorization requirements.

If we are not in-network with your insurance plan, we can often still provide services and submit claims on your behalf. These services are considered out-of-network, which may result in: • Higher deductibles • Higher out-of-pocket costs • Different coverage levels depending on your plan Our team will verify your benefits before your first visit and explain your coverage so you understand any potential costs.