Menu
Insurance
Laws of Motion Physical Therapy is not a participating provider with any insurance plans. Why? To allow us to serve our clients with the best care possible in as few visits as possible. We would be unable to provide this level of care based on what the insurance companies currently pay for physical therapy. Therapists at clinics that accept these insurance rates are required to see 2-4 patients per hour and usually spend an average of 15 minutes of one-on-one time with each patient while aides and technicians instruct patients in exercises.
At Laws of Motion Physical Therapy, you spend your entire session with your therapist so that you will heal faster in fewer visits.
While your first reaction may be that our method will cost you more out-of-pocket, you will see below that our system will save you money while providing you with faster and better treatment.
If you have out-of-network benefits, you can submit a superbill that is easily downloadable through your portal for direct reimbursement from your insurance company while allowing you to choose a premier provider that fits your needs.
Our rates
The rate for all treatments is $189 per hour-long session and offer packages getting rates down to $147 per visit.
Most patients will only require one session per week, although a few will benefit from two sessions per week. Again, you will be reimbursed for a portion of your cost by your insurance provider through out-of-network benefits if your plan provides you the option to chose your providers.
The math is in your favor
At Laws of Motion Physical Therapy, we believe this is a better way to deliver the best possible care, as it will save you both time and money.
Cost and time are on your side
An average patient is asked to see a physical therapist two to three times per week. With a visit, you will likely have a co-pay of $10 to $75, you will pay 100% of costs until you meet your deductible, and you will pay a portion of the cost (co-insurance often 20%) until you reach your out of pocket maximum (on average $8,000).
On average, you will need fewer visits with Laws of Motion Physical Therapy while using private pay PT because you get a full hour of quality care from a Doctor of Physical Therapy. You are never passed off to assistive personnel or stuck doing the same ten exercises every session.
Example of how your payments may play out:
Private pay PT
- 6 visits needed – 1 visit per week for 6 weeks
- Total time with a Doctor of Physical Therapy – 6 hours
- Total time spent in a PT clinic – 6 hours
- Cost – $999 (6-pack purchase)
- Cost per hour with DPT – $166.50
Insurance based PT
- 18 visits needed – 3 visits per week for 6 weeks
- Total time with a Doctor of Physical Therapy – 4.5 hours
- Total time spent in a PT clinic – 18+ hours
- Cost ($40 copay) – $1409 on average
- Cost per hour with DPT – $313.11
Good Faith Estimate
At Laws of Motion Physical Therapy, we believe in cost transparency and your right to shop for high-quality, cost-effective services. We will be happy to provide you with a “Good Faith Estimate” of our costs upon request or when scheduling.
If you do not have health insurance or plan to self-pay for our services without asking for insurance reimbursement, we will provide you with a “Good Faith Estimate” of our costs when you schedule at least 3 days in advance.
If you would like to request a Good Faith Estimate before scheduling, please call our office at 602-598-1323 or email us at greg@lawsofmotionpt.com.
Maximize your out-of-network benefits
1. Check your out-of-network benefits
These are typically in the Summary of Benefits, included in a member information packet or on your insurance company website. Keep an eye out for these terms:
- Out-of-network deductible: This is the amount of money you have to pay before you are eligible for reimbursement.
Let’s say your out-of-network deductible is $1,000, and your insurance company pays for 100% of services after you meet that amount. That means you’ll have to pay $1,000 out of pocket, after which you’ll have “met your deductible.”
In this scenario, if you spend $1,500 on therapy services, you’ll have to pay $1,000 out of pocket (e.g. $100 at each session for 10 sessions), but the remaining $500 will be reimbursed to you in the form of a check (mailed to you after you submit your claim).
Deductibles reset every calendar year, and any health expense you pay out-of-pocket contributes to meeting it.
- Coinsurance: This is the percentage of the service fee that you’re ultimately responsible for paying.
Let’s say your therapist charges $150 per session. If your coinsurance is 25%, you’re only responsible for paying $37.50. (Note: You’ll need to pay the full $150 upfront. Your insurance will send you a check for $112.50 after the session, once you’ve met the deductible and submitted a claim.)
Some insurance companies determine an “allowed amount,” which caps the session fee that they’ll cover. If your insurance has determined $100 is their “allowed amount” per session, at a 25% coinsurance rate, your insurance company will still only reimburse you up to $75, no matter what the therapist’s session fees are.
In other words, if your insurance has an allowed amount of $100 but your therapist’s session fees are $150 per session, you won’t get reimbursed more; you’ll still be reimbursed $75, and will be ultimately responsible for $75.
2. Call your insurance company to verify your benefits
The best way to be absolutely sure of your benefits is to clarify with your insurance company member services line. You
can find this phone number on the back of your insurance card.
Ask these questions when speaking to your insurance company about benefits:
- How much of my deductible has been met this year?
- What is my out-of-network deductible for outpatient mental health? (Outpatient means treatment outside a hospital.)
- What is my out-of-network coinsurance for outpatient mental health?
- Do I need a referral from an in-network provider to see someone out-of-network?
- How do I submit claim forms for reimbursement? (Claims are forms that are sent to your insurance company to receive reimbursement for sessions you paid for out of pocket.)
3. Ask your therapist for a Superbill
Your therapist will provide you a document called a Superbill that you send directly to your insurance company at the end of each month. The Superbill details how many sessions you’ve had, and the total fee.
4. Receive out-of-network reimbursement!
You’ll need to pay your therapist the entire session fee at the time of service, but depending on your specific plan, your insurance company will mail you a check to reimburse a portion of that cost.
Note: Using an app like Reimbursify can help you navigate the reimbursement process in a few clicks!
5. More questions???
Contact us and we can help talk you through any further questions!
