Neuro Rehab Associates, Inc

NEURO REHAB ASSOCIATES, INC

Insurance Verification of Benefits and Suggested Questions to Ask

Thank you for choosing Neuro Rehab Associates for your Speech-Language, Occupational, and/or Physical Therapy needs. Neuro Rehab Associates is committed to providing you with quality therapy.

Please make sure we have a copy of your insurance card as well as the card for any secondary insurance you would like us to bill.

Your Insurance Company may reimburse for Occupational, Physical and Speech-Language Therapy but you will need to find out your specific plan details. Make sure you note the time and dates you call your insurance company, the person you spoke with and the questions asked and answers given.

When you call, be prepared to present the following: 1) Name of Insured; 2) Insured’s place of Employment; 3) Insurance group number; 4) Insured’s ID/Policy number; 5) Name of person requiring therapy, their relationship to the insured, and their referring doctor and diagnosis. Look at the questions below and then write the answers down for future reference, if needed.

Here is a list of insurance companies that currently partner (in-network) with Neuro Rehab Associates:

· Blue Cross-Blue Shield

· Pacific Source

· United Health Care

· Allegiance / Community Health Network (CHN)

· First Choice- Including (MUST) Montana Unified School District

· Cigna

Medicare Advantage Plans/HMO

· New West Advantage

· Humana

We also accept payment from Medicare, Montana Medicaid, Veteran’s Administration (VA), Tricare/Triwest and Workman’s Compensation.

Motor Vehicle Accidents

It is your responsibility as the patient to know and understand what benefits are covered. We will continue to bill the auto insurance until they deny any more payments.

Workers Compensation

We are willing to see all workers compensation patients if your carrier has approved your care by us.

What to ask your Insurance Company

· Tell your insurance company you are seeking Occupational, Physical and/or Speech Therapy services as an outpatient service performed in an independent/free standing practice and ask if this will be covered.

Ask:

· Is Neuro Rehab Associates in-network?

· If not, am I covered if Neuro Rehab is a non-participating provider or an out-of-network provider?

· What is my co-pay, deductible and/or coinsurance amount for Occupational, Physical and/or Speech Therapy services performed in an independent/free standing clinic?

· What is my out of pocket expense?

· Have I met my deductible for the year? If not, how much more do I need to pay to reach my deductible.

· Do I have a co-pay or co-insurance amount per visit.

· How many visits are covered under may plan for PT, OT and/or Speech therapy?

· Are my visits based on a calendar year, benefit year, or other time frame?

· Does my policy have a cap on the amount of money paid out for therapy per year?

· Do I need pre-authorization or pre-certification for ST, OT, or PT?

· Is re-certification needed? If yes, after how many treatments.

Please contact your insurance company for coverage details and required authorizations before receiving services. Please understand that any costs you incur are ultimately your responsibility and coverage provided by your insurance carrier is an agreement between you and them. The best source to obtain information related to your benefits is to contact your insurance company directly.

Please be aware that some of the services provided may not be non-covered services and not considered reasonable and necessary under your plan. If this is the case, you will be responsible for payment to Neuro Rehab Associates.

You are responsible for providing any/all information sent to you by your insurance company necessary to process insurance claims to facilitate payment.

For all patients and insurance types, we submit bills to your insurance carrier(s) on your behalf, on a monthly basis. If applicable, you will be billed for your co-pay, deductible, and/or co-insurance once your insurance company has informed us of the balance on the explanation of benefits (EOB).