Insurance & Payment Information

We Make Quality Care Accessible

At Evo PT Group, we believe everyone deserves access to exceptional physical therapy care. That’s why we accept most major insurance plans, Medicare, and offer flexible payment options to fit your needs and budget.

Insurance Coverage

We Accept Major Insurance Plans

We’re in-network with the following insurance providers:

• Medicare — Full Part B coverage
• Blue Cross Blue Shield (BCBS)
• Aetna
• OPTUM/United Healthcare (UHC)
• ASH/Cigna
• OneCall — Workers’ compensation
• MedRisk — Workers’ compensation

Don’t see your insurance listed? Call us at (469) 825-3900 — we can work with your plan as an out-of-network provider and help you maximize your benefits.

How Insurance Coverage Works

Before Your First Visit

• We verify your benefits to understand your coverage
• Clear explanation of any copays, deductibles, or coinsurance
• Pre-authorization handled when required
• No surprises — you’ll know your costs upfront

During Treatment

• We bill your insurance directly
• You pay only your copay or coinsurance at time of service
• We handle all the paperwork
• Regular updates on your remaining benefits

Medicare Patients Welcome

We’re proud to be a Medicare provider, offering:

• Full Medicare Part B coverage for physical therapy
• No referral needed in most cases
• Clear explanation of Medicare benefits
• Assistance with Medicare supplemental insurance

Self-Pay Options

For patients without insurance or those who prefer to pay directly, we offer:

Transparent Pricing

• Initial Evaluation (75-90 minutes): Competitive rates
• Follow-up Sessions (60 minutes): Clear per-session pricing
• No hidden fees or surprise charges

Package Discounts

Save money with our package options:

• 4-session package: 10% discount
• 8-session package: 15% discount
• 12-session package: 20% discount

Payment Plans

We offer flexible payment plans for those who need them. Ask our staff about options that work for your budget.

HSA & FSA

Physical therapy is a qualified medical expense for both HSA and FSA accounts. We provide:

• All necessary documentation for reimbursement
• Direct HSA/FSA card payment accepted
• Detailed receipts for your records

Out-of-Network Benefits

If we’re not in-network with your insurance, you may still have coverage:

Superbill Service

We provide detailed superbills containing:

• Provider information and NPI number
• CPT codes for services rendered
• ICD-10 diagnosis codes
• All information needed for reimbursement

Typical Reimbursement

Many patients with out-of-network benefits recover 40-80% of costs, depending on their plan.

How to Check Your Out-of-Network Benefits

Call your insurance and ask:

1. “What are my out-of-network physical therapy benefits?”
2. “What is my out-of-network deductible?”
3. “What percentage does my plan reimburse?”
4. “Is there a visit limit for physical therapy?”

Financial Policies

Payment Due

• Insurance patients: Copay/coinsurance due at time of service
• Self-pay patients: Payment due at time of service unless payment plan arranged
• Accepted payment methods: Cash, check, all major credit cards, HSA/FSA cards

Good Faith Estimate

Under the No Surprises Act, you have the right to receive a Good Faith Estimate for the total expected cost of non-emergency medical services. We provide this automatically for all self-pay patients.

Cancellation Policy

• 24-hour notice required for cancellations
• Late cancellations may be subject to a fee
• Insurance may not cover missed appointment fees

Making Care Affordable

We never want cost to be a barrier to getting the care you need. If you’re concerned about affordability:

• Ask about payment plans — we offer flexible options
• Consider our packages — save with multiple sessions
• Check your benefits — we’ll help you understand your coverage
• Explore all options — we’ll work with you to find a solution

Questions About Coverage?

Our experienced staff is here to help you navigate insurance and payment options:

We Can Help You:

• Verify your insurance benefits
• Understand your coverage
• Estimate out-of-pocket costs
• Set up payment plans
• Process HSA/FSA payments
• Submit claims and appeals

Get Started Today

Don’t let confusion about insurance or payment delay your recovery. We’re here to make the process as simple as possible.

We believe everyone deserves access to quality physical therapy care. Let us help you understand your options and get the treatment you need.