Don't Have Insurance

FAQ: What If I Don’t Have Insurance?

Don't Have Insurance

Physical Therapy is a tool. It’s a pathway to get you to your goals. Our highly trained staff members at Borja Physical Therapy work to do their best to make your experience pleasant. We take pride in helping each patient feel valued and well taken care of, even if they don’t have insurance.

As a courtesy, our Billing Department will verify your insurance benefits. If you do not have insurance, however, please speak with our billing coordinator to discuss self-pay options. There is no payment plan option for self-pay patients.

Thinking About Getting Insurance

If you don’t have health insurance but are thinking about enrolling, there are some great options to choose from. In fact, many plans have physical therapy coverage.

When it comes to plan and network types, you’re looking at the type of health care services that are covered in your plan. As well as the doctors and facilities you are allowed to see. These can either be in network or out of network. For instance, some plan types let you see any doctor. While other plans can limit your choices. Some may even charge you more to see out of network providers as a result.

For the purpose of physical therapy, some major health insurance carriers we accept:

  • AAA
  • Aetna
  • Allstate
  • Auto-Owners
  • Blue Cross Blue Shield Of Michigan / Blue Care Network
  • Blue Cross Complete
  • Cofinity
  • Hanover
  • HAP
  • McLaren
  • Medicare
  • Medicaid
  • Meridian
  • National General
  • Nationwide
  • OneCall
  • Progressive Auto
  • State Farm
  • The Hartford
  • Theramatrix
  • TriCare
  • United Health Care Community
  • United Health Care
  • UMR
  • Wellcare
  • …And Many More

Workers Compensation/Motor Vehicle Accidents

Additionally, we are happy to treat patients with personal injury or motor vehicle accident claims. The billing department will need certain information to verify each claim prior to service. For example, they will need the claim number, adjuster’s name, and contact phone number. As well as the claim mailing address. 

Should the Workers Comp or Auto company deny your claims, the claims will then be submitted to your Medical Insurance. If you do not have medical insurance, however, the balance will become your responsibility.  Please let us know if you have an attorney involved, along with their name and phone number as well.

To learn more about our financial policy, click here. To speak with our Billing Coordinator, call our office at (586) 884-4565 or email [email protected]

About The Author

Jaime Curl

I've explored various fields within physical therapy including acute care and oncology at Troy Beaumont Hospital and outpatient physical therapy. As the office administrator and marketer, I'm able to combine my love for health and exercise science with my interest in marketing and numbers skills. My hobbies include spending time with friends and family, baking, crafting, and watching my favorite movies or tv shows.

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