Remember the days when health insurance was a no-brainer? You plopped your insurance card down on the counter at any medical office and expected insurance to pick up the tab for pretty much anything you needed. Those were the days...
Things started to get complicated with the introduction of HMOs and PPOs. If you wanted to choose your doctors, you checked the box for PPO. One choice led to another. Were the doctors out-of-network or in-network? Were the services covered or not? Was there a deductible or co-pay, and what's the difference anyway?
Fast forward to today and insurance keeps changing. There a
re constant decisions to make. You have to change your mindset. Not all your health care is paid for, and th
at's not all bad. Now, you can choose whom you see and how you spend money on your health. It's worth it. Heck, you're worth it!
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Here are a few tips about getting the healthcare you
want. To get the most out of your healthcare dollars, be an i
n
formed consumer. Ask friends for advice when it comes to a doctor or therapist (Many of our patients find us through their friends and fam
ily
and we really appreciate it!). Don't immediately shy away from out-of-network providers. Here's the inside scoop on in-network vs. out-of-network care: physical therapists who have chosen to be in-network for all insurance companies are having a
hard time making ends meet. They make less money from each visit, so they can either see people for shorter visits, have patients seen mostly by aides, or maybe a combination of the
two. Either way, the service is not the same -- just like when you choose McGuckin's over Home Depot. Healthcare is no different.
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At A
L
T
A,
we have contracted with insurance companies who value the excellen
t service we provide. This allows us to continue to deliver quality care. Though we're sorry not to be in-network for every i
nsurance, you would n
otice a big difference in quality if we were.
Wi
th the Ne
w Ye
ar upon us, many of you will change insurance pl
ans. Whether it's group health or Medicare, each plan has specific be
nefits. We are happy to help you navigate your plan coverage
for physical therapy, whether it's in- or out-of-network.
If you have received new insurance cards, please inform our front desk so we can update your information without any delays in treatment. Dealing with insurance can be frustrating, but our front office is happy to help any way we can. Keep in mind your end goal is to get better using the many resources available to you. We are here for you!
