Important Information

Billing and Insurance

Paying your bills just got easier

Bill payments don’t always need to feel like a chore. We’ve made paying your Redbud bills easier and faster through our online bill payment system.

Have a look through to see how just a few sessions of physical therapy can truly change your life, and leave you feeling ecstatic about the results.

Billing and Insurance from A-Z

We know billing can be stressful—we’re here to make it as easy as possible. Promise.

Here’s how it works:

  1. If you have insurance, the first thing we’ll do is double-check your benefits so that we know how much your copay for therapy will cost you.
  2. We collect this copay at your visit and apply it to your account.
  3. We also submit a claim to your insurance company so they know you came to see us. It typically takes your insurance company about 45 days to process this claim.
  4. Our billing concierges then review the processed claim and let you know if you have a refund coming your way or if there is a remaining balance.  

Here at Redbud Physical Therapy, we are in-network with the majority of insurance carriers, including:

  • Blue Cross Blue Shield
  • United
  • Humana
  • Healthchoice
  • Workers’ Compensation
  • Medicare & Medicaid
  • Tricare
  • ...and more

If you have questions at any time about the billing process (including whether we can accept your insurance), we’re happy to help. Send us an email at [email protected].

If you think you need physical therapy but aren’t sure, did you know you can come straight to us for a free 15-minute consultation? Just click the link below to get started.

Is the cost of physical therapy really worth it?

Decide for yourself—we’re talking through it a bit below, and we've got it broken it down even further for you in this blog post.

What if you have a High Deductible Health Plan?

New Year, new resolutions, and, unfortunately, a new (likely higher) deductible.

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone. Navigating the healthcare system can be stressful – financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later… and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, medication, and surgery.

This year – 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:

WHAT IS A HIGH DEDUCTIBLE HEALTH PLAN?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount 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.

YIKES. SO HOW CAN REDBUD PT HELP ME?

At Redbud Physical Therapy, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:

CARECREDIT

This year, Redbud 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 & HEALTH SAVINGS ACCOUNTS

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

Flexible Spending Accounts are set up through your employer and must 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.

ACCEPTED INSURANCE PLANS

We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.

ANOTHER BONUS?

Redbud Physical Therapy’s therapists are specialists, not generalists, which means you get results in fewer visits, saving you time and money. In fact, care at Redbud PT costs 32% less than the national average.

THE BOTTOM LINE:

Don’t delay or avoid physical therapy due to your high deductible plan. We can work with you no matter your financial situation and someone’s always available to talk. If you want to consider private pay, or other options, let’s discuss it! Our friendly, knowledgeable billing concierge can help. Send us an email at [email protected].