Insurance benefits are checked by the Borja Physical Therapy Billing Department as a courtesy to the patient. Please provide insurance cards upon first visit to ensure that claims are submitted promptly. If you cannot pay upfront, the billing department may be able to work with you to set up a payment plan. In the rare case the insurance denies claims because information needs to be verified by you, the balance will be shifted to you until the issue is resolved with your insurance company. If you are unwilling to call the insurance company to give that required information, you will be responsible for the entire amount of the bill.

If you have previously received services from the provider (Borja PT) and wish to return to physical therapy and still have a remaining balance on file, you must pay off the remaining balance in full or enter into a payment plan agreement with the provider (Borja PT) in order to begin treatment. As previously stated, the Borja PT Billing Department may work with you to create a payment plan based on the remaining balance in question.

It is important to understand that the patient is under contract with their own insurance company. The amount owed to the provider (Borja PT) is 100% determined by the patient’s policy. The amount owed to the provider (Borja PT) is never determined by Borja PT. This includes unmet deductibles, co-pays, or co-insurances. In general, it is not acceptable for a patient not to pay the amount owed to the provider (Borja PT) because it is a breach of the contract with the patient’s insurance company. In addition, Borja PT is in contract (in network) with most insurance companies and therefore, where applicable, will write off anything over what is allowable by contract. Billing is done on a daily basis to all insurance companies.

Please do not ask the billing department to adjust off any charges, deductibles or co-pays over what is allowed by insurance as it is generally not permitted for them to do so. It is VERY important for the patient to take responsibility in knowing his/her individual benefits and what insurance will allow so unexpected balances do not occur. The Borja PT Billing Department files with many insurances and most offer several different plans, therefore it is the patient who must make sure the benefits checked are what match their plan.

In the case the patient needs a service that is not covered by the in network agreement, Borja PT will notify the patient to see if the patient agrees to the service. The billing department will then make arrangements to charge and bill the patient accordingly.

If you do not have In-Network Medical Insurance, please speak with our billing coordinator to discuss self-pay options. Please note: There is no payment plan option for our self-pay patients.

Third Party/Workers Comp/MVA Patients: We are happy to see personal injury or motor vehicle accident patients. The billing department will need information such as claim number, adjuster’s name and contact phone number and mailing address. Should the Third Party/Workers Comp or MVA company deny our claims; the claims will be submitted to your Medical Insurance or become your responsibility. Please let us know if you have an attorney involved along with his/her name and phone number.

Minors and Dependents: Parents and guardians are responsible for payment for their dependents at the time service is rendered.

Billing statements are sent to patients with a personal balance on a monthly basis. We ask that upon receipt of such statement, payment is sent to our office within thirty (30) days of receipt. If you have a financial hardship or you are unable to pay the balance in its entirety, please contact our billing coordinator to discuss payment options. If your account becomes delinquent and you have not established or met payment options with our billing office, your account will be turned over to our outside collection agency and your account will be assessed a $25.00 collection fee.

We look forward to providing you with world class physical therapy services!!