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Advantage PT: Frequently Asked Questions

Will my insurance cover Physical Therapy?

Most insurance companies cover Physical Therapy. The best way to find out is by calling us. By providing your name, insurance identification number, and birth date, our billing representative will be able to tell you your expected coverage and cost.

Do you accept my insurance?

Yes, we accept all insurance plans and are in-network with all major insurance companies. Please visit the list below for the names of some insurances that we contract with. If your insurance is not listed, please call us to find out if we are in-network. In some cases, your insurance may be grouped under another company.

  • Aetna
  • AIG
  • Anthem Blue Cross and Blue Shield
  • Assurant Health
  • Blue Cross and Blue Shield of NM (and any other state)
  • Child Health Plans Plus (CHP+ or Colorado Access)
  • Cigna
  • CIRSA
  • Cofinity
  • Coventry/First Health (including Mail Handler’s Benefit Plan)
  • Cover Colorado
  • CTSI
  • CNIC Health Solutions
  • Employee Benefit Consultants (EBC)
  • GEHA
  • Greatwest
  • Humana/Choicecare
  • Hartford Insurance
  • Kaiser Permanente
  • Meritain
  • Medicare
  • Medicaid
  • Motor Vehicle Insurance
  • Personal Injury Claims
  • Presbyterian Health Plans
  • Rocky Mountain Health Plans
  • State Farm Insurance
  • United Healthcare
  • Veteran’s Administration
  • Workers Compensation (including Pinnacol, The Hartford, and more)

Do I need a referral or a prescription from a doctor to start Physical Therapy?

No, you do not need a prescription to be seen by a physical therapist in the State of Colorado; this is called “Direct Access” and was established by law in Colorado in 1988. That being said, some insurance plans still require a prescription in order to reimburse for physical therapy services. With the exception of Medicare and Medicaid, most insurance plans no longer require a prescription. If you are using insurance, you can call us to find out if your plan requires a doctor’s prescription.

Will my insurance pay for treatment? What would I have to pay each visit?

If physical therapy is covered under your insurance plan, they will pay. If you are working toward a deductible, you will be responsible for the allowed amount. If your deductible is met or you don’t have a deductible, you will most likely have a co-payment or co-insurance that you will be responsible for. We can give you a specific description of your coverage if you provide us with your insurance information.

What should you ask before choosing your Physical Therapist?

  • Will I be treated by a license physical therapist or by an aide/technician?
  • Can I be treated by the same physical therapist at each visit?
  • Will my physical therapist treat other patients during my appointment?
  • Can I select the physical therapist and PT office of my choice for treatment?

What should I wear to physical therapy?

Comfortable, loose-fitting clothing Shorts for knee and ankle treatments Tank Tops or short sleeve shirts for shoulder treatments Sneakers or athletic footwear

How long is each visit?

Each visit will last 45-60 minutes.

What kind of treatments do physical therapists use?

  • Manual Therapy Techniques (soft tissue and joint mobilization)
  • Therapeutic Exercises (stretching, strengthening, stabilization, and endurance)
  • Balance and Gait Training
  • Modalities (ultrasound, electrical stimulation, traction, ice and heat)
  • Therapeutic Taping
  • Functional training in self care, home management, and ADL’s
  • Posture & Body Mechanics Training
  • Education and/or application of assistive and adaptive equipment
  • Ergonomic assessments and modifications

How many times a week and for how many weeks will I have to come?

This depends on your specific condition and individual needs, which will be determined by the Physical Therapist at your evaluation. Physical Therapy typically requires 2-3 visits/week for approximately 4-6 weeks for optimal results.

Will my insurance plan pay for massage therapy?

More and more insurance companies are beginning to pay for massage, but it depends on your individual plan. For example, employees of the Durango 9-R school district, Southern Ute Indian Tribe, Fort Lewis College, or La Plata County may have massage therapy benefits available. Please call our office and ask us to verify your insurance coverage for massage therapy.

Will I be given exercises that I can do at home?

Yes, compliance with a home exercise program is an important part of physical therapy. We offer handouts as well as detailed instructions to ensure you perform your home exercise program correctly. Your physical therapist will continually check in on your progress and update your program. You will also be taught how to progress your home exercise program on your own so that you can continue to advance even after you are discharged from physical therapy. For any other questions that you may have, please contact our office: 970.259.7829