Billing & Payment Options
At OrthoRehab Specialists, we’re committed to making every part of your experience as smooth and stress-free as possible, including the financial aspects of your care. This page provides clear, step-by-step information on how to manage your account, such as options for paying your balance, verifying your insurance benefits, setting up convenient payment plans, and understanding your billing statement. We work with a wide range of private and public insurance providers and are happy to help you navigate your coverage. For those without insurance, we also offer transparent and competitive self-pay rates to ensure quality care remains accessible. Our goal is to support your health journey both physically and financially with clarity and compassion. For complete details on coverage, visit our Insurance & Payment Options page.
Accepted Insurance Carriers
We participate in most major insurance networks to ease your out-of-pocket expenses. Our accepted carriers include:
- Medicare
- Humana
- Blue Cross Blue Shield
- Medica
- Patient Choice
- PreferredOne
- MN Health Care Programs
- UCare
- UnitedHealthcare
- Aetna
- PHCS / MultiPlan
- Ameritas PPO
- Auto Insurance
- Worker’s Compensation
How to Verify Your Coverage
Before your first visit, follow these steps to confirm your benefits:
- Contact Your Insurer: Use the number on your card to ask about physical therapy coverage, copays, deductibles, and visit limits.
- Check Online Portal: Many insurers have member portals where you can view your plan details and EOBs.
- Call Our Billing Office: We can help you interpret benefit information. Call us at 612.355.2254 or email staff@orthorehabpt.com.
Understanding Your Statement
After each visit, you may receive an explanation of benefits (EOB) from your insurer and a statement from us:
- Explanation of Benefits: Details what your insurer paid and what you owe.
- Clinic Statement: Summarizes session dates, procedures, charges, payments, and remaining balance.
- Balance Due: Any amount not covered by insurance is your responsibility.
Online Bill Pay
Our secure online portal lets you view and pay your balance anytime:
- Accessible 24/7 from any device
- Supports major credit cards and electronic checks
- Instant confirmation of payment
Phone & Mail Payments
If you prefer to pay by phone or mail:
- By Phone: Call our Edina clinic at 952.922.0330 or Minneapolis at 612.339.2041.
- By Mail: Send a check payable to OrthoRehab Specialists, Inc. to:
6600 France Ave S #260, Edina, MN 55435
Self-Pay Options
For patients without insurance or whose benefits have been exhausted, we offer:
- Transparent Cash Rates: Affordable self-pay fees listed on our Insurance & Payment Options page.
- Payment Plans: Spread out costs over several months with no interest.
- HSA / FSA Friendly: Use pre-tax health savings or flexible spending accounts for payment.
Financial Assistance & Sliding Scale
We understand that financial challenges arise. If you need assistance:
- Sliding Scale Rates: Reduced fees based on income and household size.
- Charity Care: Limited funds for qualifying patients facing significant hardship.
- CareCredit Financing: Interest-free payment plans for up to 12 months.
Medicare Specifics
Medicare Part B provides coverage for physical therapy services once you have met your annual deductible. After that, you are typically responsible for a 20 percent coinsurance, while Medicare covers the remaining costs. To ensure full compliance with Medicare guidelines, a physician referral is required before beginning treatment. Our team is here to make this process as simple as possible. We will help coordinate with your healthcare provider to obtain the necessary referral and ensure that all documentation is in place. This way, you can focus on your recovery with peace of mind, knowing that both your care and coverage are being handled with attention and care.
Direct Access vs Medicare Referral
Under Minnesota law, patients have the right to access physical therapy services directly without a physician referral for up to 90 consecutive days when being treated for a new injury or an existing chronic condition. This direct access allows you to begin your recovery sooner without unnecessary delays. However, it is important to note that Medicare beneficiaries are still required to obtain a referral from their physician before starting physical therapy. At OrthoRehab Specialists, we understand that navigating these requirements can be confusing. That is why our team is here to support you every step of the way. Whether you are eligible for direct access or need a referral, we will help you through the process quickly and efficiently to ensure you receive the care you need without delay.
Common Billing Questions
- Why did I receive a bill after insurance paid?
- Your plan may have a deductible or coinsurance requirement. The statement shows what insurance covered and what you owe.
- How do I set up automatic payments?
- Contact our billing office at 612.355.2254 to arrange recurring payments through our secure portal.
- Can I get a cost estimate before treatment?
- Yes. We provide a detailed courtesy estimate of your out-of-pocket costs based on your verified benefits.
- What if I have a question about my statement?
- Email staff@orthorehabpt.com or call us for prompt assistance.
Integrating Billing with Treatment Planning
We coordinate closely between our front desk, billing, and clinical teams to ensure:
- Benefit verification occurs before your first evaluation.
- Referral requirements are identified and obtained if needed.
- Authorization is secured for visits beyond plan limits.
- Clear communication about copays, deductibles, and payment responsibilities.
Next Steps
Ready to verify your insurance or discuss payment options? Contact our billing team today:
- Call: Edina: 952.922.0330 | Minneapolis: 612.339.2041
- Email: staff@orthorehabpt.com
- Online: Visit our Insurance & Payment Options page or use the Bill Pay button above.
Why Choose OrthoRehab Specialists?
- Therapist-Owned & Operated: Clinical decisions focus on your outcomes, not quotas.
- One-on-One Attention: Consistency with the same therapist each session.
- Evidence-Based Practice: We follow APTA guidelines and current research.
- Convenient Scheduling: Early morning, evening, and weekend appointments.
- Trusted by Physicians: Over 600 local providers refer their patients to us.
Get Started Today
Understanding your insurance benefits and payment options is an important first step toward receiving effective and stress-free physical therapy care. Knowing what is covered, what to expect financially, and how to plan ahead empowers you to focus on what truly matters: your recovery. Our team is here to help you navigate the process with ease by offering a personalized benefits check, answering any questions you may have, and reviewing flexible payment options suited to your needs. Contact us today to schedule your benefits check and take the first step on your path toward improved function, reduced pain, and a healthier, more active life.
