Restore U Physical Therapy is a hybrid physical therapy practice where our services operate both in-network and out-of-network. We are currently in-network with BlueCross BlueShield, Aetna, and Medicare. For all other insurance companies, we continue to be out-of-network and collect payment upon rendered services with claims submitted on the patient's behalf for potential reimbursement when requested.

• We will always verify your insurance benefits prior to your appointment, so it is important to provide insurance information upon scheduling. This process is only done for in-network insurances.
• For in-network services, payment will be collected at time of service in accordance to your insurance plan through either co-pay, deductible, or co-insurance.
• For out-of-network services, payment will be collected in full at the time of service and claims will be filed on your behalf for potential reimbursement directly from the insurance company. In cases where claims are not submitted for out-of-network services, you will be provided with a "superbill" that can be submitted to the insurance company. Every insurance company's reimbursement rates are different and may be lower than the service charge of Restore U Physical Therapy.
• Payment Forms Accepted: Debit/Credit Cards, Cash, CashApp ($restoreupt), Venmo (@restoreupt), and Cashier's Check. For any questions on payment, please email us at [email protected]. This email can also be used on payment apps.

Important Insurance Terms to Know:

• Deductible: the amount you pay for health care services before your insurance plan starts to pay
• Co-Pay: the fixed upfront cost associated for an office visit/specialized service
• Co-Insurance: the percentage of costs of a health care service that your insurance will pay after you've met your deductible
• Out-of-Pocket Maximum: the maximum amount you pay out of pocket until insurance starts to cover 100%
• The term “out-of-network” refers to health care providers who do not participate in your insurance provider’s network. This does not mean these providers are not covered by insurance. Most insurance companies provide you with out-of-network benefits which allow you to see providers in and/or out of your plan, but the provider is not bound by the insurance company’s rules and regulations. Out-of-network is also commonly referred to as "cash-based" where payment for services are paid upfront by the patient and reimbursement is sought directly from the insurance company. Depending on the insurance agreement, patients may have to meet a deductible before reimbursement can be made.
• The term “in-network” refers to health care providers who are a part of your insurance plan’s network of providers. Usually, your insurance plan has negotiated a discount with these providers. This means that providers who are in-network provide services at a lower cost to your insurance company. While this is very effective at controlling the cost of care, it can come with unforeseen consequences to the patient such as shorter appointment times and your doctor managing a higher patient volume. Patients typically pay for service with co-pay and in some circumstances deductibles must be met