Insurance Coverage
Have questions about insurance coverage?
Insurance coverage for physical therapy in North Andover varies among plans and carriers. To ensure clarity regarding your benefits, we encourage you to call your insurance provider and verify the following:
- Yearly deductible
- Co-pay and co-insurance details
- Maximum out-of-pocket expenses
You can find the contact number on the back of your insurance card or visit your insurance provider’s website. Understanding the terms of your insurance plan is crucial for determining your financial responsibility to your providers.
At OFF-SEASON Sports and Physical Therapy in North Andover, MA, we strive to make the process of understanding and utilizing your insurance coverage as seamless as possible. We are providers for all major insurances, including but not limited to:
Additionally, we offer a Cash Pay Program for those without insurance coverage. Please note that we do not accept any MassHealth-affiliated insurances.
Will My Insurance Pay for My Physical Therapy Treatment?
- Medicare
- Mass General Brigham (formerly Allways)
- Aetna
- Blue Cross Blue Shield (HMOs require PCP to process insurance referral/authorization before treatment)
- Cigna
- Harvard Pilgrim
- Tricare
- United Health Care
- Unicare
- PPOs
- Tufts (We do not accept MassHealth Tufts plans)
- Workers Compensation (we must also accept your private insurance)
- Personal Injury Insurance (we must also accept your private insurance)
Glossary of Insurance Terms for Physical Therapy
- Deductible: The amount you pay out of pocket before your insurance contributes to your health costs. Understand your deductible to prepare for potential out-of-pocket costs.
- Co-payment: A set amount your insurance requires you to pay at each service visit.
- Co-Insurance: A percentage you pay at each service visit, such as an 80%-20% plan where you cover 20% of the costs.
- Out-of-Pocket Expenses: All costs paid from your pocket, including copays, coinsurance, and deductibles.
- Out-of-Pocket Maximum: The maximum you should pay for healthcare in a plan period, after which your insurance covers 100% of allowed expenses.
- Pre-authorization: Some policies require pre-authorization for physical therapy; contact your PCP if an insurance referral is needed.
- Maximum Visits: Policies may limit annual physical therapy visits; inquire about available cash pay programs if needed.
- In-Network Benefits: We are contracted with your insurance, accepting their determination of charges and allowed amounts.
- Out-of-Network Benefits: Considered if we’re not a provider for your insurance, potentially leading to higher out-of-pocket costs.
Uninsured? We Have You Covered!
If you don’t have insurance but need physical therapy in North Andover, our office offers a cash pay program. Contact us for more information and rates.
Front Office Support for Insurance Questions
Our dedicated front office staff is here to assist you with any questions or concerns regarding your insurance coverage for physical therapy services in North Andover, MA. Contact us today to schedule an appointment or discuss your insurance benefits.