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Insurance & Billing

Everything about your visit to Xcel is made easy—and that includes billing.

We’ve worked hard to make the process simple for you. Here’s how we do it:

  1. First, we verify your benefits for you so that we know how much your copay for physical therapy will cover.
  2. When you visit, we collect the copay and apply it to your account with us.
  3. We take care of submitting a claim to your insurance company so they are aware of your appointment. It can take the insurance company around 45 days to process a claim.
  4. Once it has been processed, we review the claim and let you know if you have a balance or a refund coming your way.

Accepted Insurance

Xcel works with the majority of insurance carriers. If you are unsure whether or not we accept yours, or if you have questions about your benefits, please contact your local clinic.

Don’t let the stress of billing and insurance stand in between you and a pain-free life. We’re here to help you every step of the way.

Insurance companies currently accepted (subject to change):

  • AETNA (through Rehab Provider Network)
  • Anthem BC/BS
  • Buckeye Health Plan
  • CIGNA PPO & HMO
  • GEHA
  • Healthnet Federal Services (VA)
  • Humana
  • JP Farley
  • Medicare (Traditional and Most Sr. Advantage Plans)
  • Medicaid
  • Medical Mutual of OH (Supermed Plus)
  • Molina (Medicaid, Medicare, MyCare Ohio, Health Insurance
  • Marketplace)
  • Premier Health Plan
  • Theramatrix (Anna and Vandalia Clinics Only)
  • Tricare Prime & Standard
  • United Healthcare
  • UHC AARP Medicare Complete (referral required by Primary Care Physician through UHC website prior to appointment)
  • UMR (United Medical Resources)
  • Workers Compensation / Personal Injury (Federal and State of OH) (BWC)

We DO NOT Accept:

  • Caresource as a PRIMARY (We do accept it as a secondary)
  • COMM
  • CoreSource (We do accept through Aetna)
  • HealthSpan
  • Medical Mutual Medicare

Prior to your initial evaluation, we make every effort to obtain accurate eligibility and benefit information (copays, co-insurance, deductibles and prior authorization requirements). However, we strongly encourage you to verify your physical therapy benefits as well.

All copayments are due at the time of service. Depending on your plan, you may have a deductible to meet and/or a co-insurance amount due. In these cases, we require an estimated 75% of the insurance allowable amount at the time of each visit. This will help alleviate a large balance at the end of your treatment.

We bill your insurance as an outpatient office visit. You are responsible for the balance due, if any, as indicated on your EOB (Explanation of Benefits) from your insurance company.

We will make special arrangements for those individuals not covered by insurance, to pay our self-pay rate. Individuals may be referred by a physician or may be self-referred. Please Note: Most insurance companies DO NOT require a physician referral. All questions regarding insurance billing, balances, and payment arrangements may be directed to the Xcel billing department.

Do you have a High Deductible Health Plan?

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.

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 2021, a health plan is considered an HDHP if….

  • The deductible is $1,400 or more, for individuals
  • The deductible is $2,800 or more, for families

Yikes. So how can Xcel help me?

At Xcel, 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 every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:

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.

Another Bonus?

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

The Bottom Line:

Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan or payment options, let’s discuss it! Our expert billing team can help. Contact our billing team at (800) 257-3005 or email us at [email protected].

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