Important Information

Billing and Insurance

You have enough on your plate, so we’ve made billing simple.

We know that the road to recovery can take up enough of your energy, so we’ve worked hard to make our billing process as simple as possible for you.

Here’s what you need to know:

  • First, we verify your benefits so that you know how much your cost for therapy will be.
  • When you visit, we collect the estimated amount owed and apply it to your account with us.
  • We take care of submitting a claim to your insurance company so they are aware of your appointment. Please note that it can take the insurance company up to 60 days to process a claim.
  • Once it has been processed, we review the claim and let you know if you have a balance or a refund coming your way.
  • Statements for any balances are sent out monthly. Refunds are processed once you have finished your care and all claims have been reviewed.

Billing & Insurance

Advanced PT works with the majority of insurance carriers, as well as out-of-pocket- benefits for most plans.

If you have any questions about your insurance or about how billing works, don’t hesitate to contact our helpful billing department at any time at [email protected].

Don’t let the headaches associated with billing and insurance stand in the way of getting the relief that you deserve.

Do you have a High Deductible Health Plan?

If you’re seeking care but worried about the cost and unsure of how your health plan works, don’t worry – you’re not alone.

Navigating the healthcare system can be stressful, but putting off care now leads to needing more care later. And spending more, too. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right therapy early leads to less imaging, opioid prescriptions, injections, 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:


A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large number of their healthcare costs out of pocket before their insurance kicks in to help lighten the load. According to the IRS, in 2019, a health plan is considered an HDHP if….

  • The deductible is $1350 or more, for individuals
  • The deductible is $2700 or more, for families

Additionally, more than 90% of persons enrolled in an Exchange Plan are in High Deductible Health Plans, in which the average deductibles are even higher: $3572 for an individual and $7474 for a family.

So, how can Advanced PT help me?

At Advanced PT, we’re committed to providing our patients with the best care possible – and that doesn’t just mean on the treatment table. We’re always searching for ways to make physical and occupational therapy a reality for each and every one of our patients, regardless of their financial situation, which is why we offer a variety of affordable payment and financing options, including:


Advanced PT has partnered with CareCredit to offer flexible payment plans for our patients. CareCredit provides convenient payment options so that you can get the treatment you want and need while paying for it over a period of time, often without incurring interest charges. It’s ideal for co-payments, deductibles, and treatments not covered by insurance. Search for your local clinic here and complete the CareCredit Application to find out what monthly payment options are available for you.


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

Flexible Spending Accounts are set up through your employer and have to 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.


Our team accepts a wide range of insurance plans for patients seeking musculoskeletal care, and we’ll work with you and your health plan to make the payment process as simple and as possible. To learn more, please contact your insurance agent or give your local clinic a call.


The therapists at Advanced PT are specialists, not generalists, which means you get results in fewer visits, saving you time and money.


Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan, payment options, or the Care Credit process, let’s discuss it! Our expert billing team can help. Email: [email protected].