Frequently Asked Questions

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. We empower your decision to self-heal the natural way, without relying on pain pills, injections or surgery. So, what is laser therapy, and how can it help you?

What Is Laser Therapy?

Let’s start with the basics. What is laser therapy?

Laser therapy is a surgery-free, drug-free way to relieve pain and speed up your body’s natural healing process. People who have acute pain and chronic pain can both benefit from laser therapy.

What Is Laser Therapy

Laser therapy can reduce pain and inflammation. Especially for conditions such as low back pain, tendonitis, and plantar fasciitis.

Treatment is fast, safe, and painless. In fact, most people see results in as little as 3 to 5 sessions. Beyond that, the effects can continue for up to 18 hours after treatment. That means you will continue healing even after you get home.

It also promotes your muscles, joints, and bones to heal as well. You can benefit from laser treatment before or after having surgery. In some cases, it can even prevent surgery altogether.

The science behind laser therapy is incredible. The laser impacts how your cells work. Basically, the cells absorb the light and begin positive changes. When damaged cells absorb the light, they become supercharged and their healing process accelerates, which means you’ll heal even faster.

Laser therapy is cleared by the FDA. As a matter of fact, the Military, professional sports teams, healthcare professionals, and more, all use laser therapy.

Here at Borja Physical Therapy, we use the Lightforce FXi Laser. It’s a great way to improve your pain without relying on drugs.

Click here to learn more about our LightForce Laser service or click here to learn about the benefits of laser therapy.

We strive to make every patient feel valued and well taken care of.  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. So, will your insurance cover physical therapy, and what is a benefit limit? Let’s discuss this some more!

What Is A Benefit Limit

Typically, most insurance companies offer some level of coverage for physical therapy under each of their plans. That level of coverage can vary between each policy, however. Depending on your plan, you may have to meet a deductible or pay a copay. On the other hand, physical therapy may be covered in full at 100% by your insurance company.

Coverage

deductible is how much you owe for health care services before your health insurance plan begins to pay. The deductible may not apply to all health care services that you need. You might not have to pay your deductible for things like physical therapy or chiropractor visits. In these cases, the insurance company will pay some or all of the bill entirely.

coinsurance is a percentage of the costs for health care services you are responsible for paying after you’ve met your deductible. Coinsurance amounts can be different depending on the type of service. For example, there may be 10% coinsurance for chiropractic visits and a 20% coinsurance for exam visits. Some services may not require a coinsurance at all.

copay is a dollar amount you pay for health care services. Copays are due after you’ve paid your deductible. Most plans have some sort of copay for one or more services. Each service has a different copay. For instance, you may have a $30 copay for specialist visits, but a $50 copay for lab tests. Some services may not require a copay at all.

The out-of-pocket maximum (OOPM) is the most you will ever have to pay during a policy period for health care services. Your deductible, coinsurance, and copays go toward your OOPM. Once you have met this amount, the insurance company will pay 100% of all remaining covered services for that year. 

Benefit Limits

Once your insurance starts paying for your healthcare services, you’ll want to take a look at benefit limits. Benefit limits refer to the maximum amount your insurance company will pay each year for a certain healthcare service.

For example, your health insurance company can put a cap on prescriptions or hospitalizations. They can also put a dollar limit on covered services, or the number of visits covered by a service as well. If you want to continue those services after your benefit limit is reached, you will be responsible for any costs for the remainder of the year.

For more information regarding insurance benefits, click here.

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. We empower your decision to heal the natural way, without relying on pain pills, injections, or surgery. So, what are the benefits of laser therapy?

The Benefits Of Laser Therapy

The purpose of laser therapy is to reduce pain and speed up recovery. Whether you’ve been in pain for just a few days or a few months, laser therapy can help.

Laser light improves your healing on a cellular level. Your cells absorb the light, then begin a series of changes in response. As a result, your body starts healing on its own, reducing your pain and swelling in the process.

Benefits Of Laser Therapy

For example, some of the benefits of laser light include:

  • An alternate solution to surgery
  • Pre-surgery treatment
  • Similarly, post-surgery treatment
  • Preventing the use of pain pills
  • Significantly accelerate soft tissue healing
  • Quick and easy treatment

Laser light can effectively treat acute conditions by bringing pain under control quickly. This helps your overall healing journey by allowing you to stay active and strengthen key muscle groups without being limited by pain.

Laser therapy also treats chronic conditions to combat constant pain, and even promotes circulation to areas with damaged tissue. It’s a powerful alternative solution to reduce pain without the harmful side effects of drugs.

Lasers are used by many college, professional, and Olympic sports teams. They’re used to improve recovery times and reduce the delayed onset muscle soreness, called DOMS.

So, what does this mean for you?

Well, the same technology used to treat the pros can help relieve your aches and pains too. The laser can start healing your damaged tissue and reducing inflammation quickly.

As a result, you’ll experience less pain and stiffness. You’ll be able to return to daily activities and start enjoying the things you once loved doing again.

Improve With Laser Therapy

Here at Borja PT, we use the Lightforce FXi Laser. It’s a quick and easy way to improve your pain. Plus, you’ll feel the effects even after your treatment.

Click here to learn more about our LightForce Laser service or click here to learn about using laser therapy with PT.

When it comes to plan and network types, you’re looking at the type of healthcare services that are covered in your plan. As well as the doctors and facilities you are allowed to see. So, what is in-network and how does it apply to you?

What Is In-Network

In-network means the doctor or facility is contracted by your insurance company. Some plan types let you see any doctor at any healthcare facility. Other plans limit your choices. They can even charge you more to see out-of-network providers. Network status depends on the type of insurance plan.

The different plan types include HMOs, PPOs, POSs, and EPOs. Each plan type has a different amount of freedom in choosing healthcare providers.

Health Maintenance Organizations (HMOs)

HMOs are a type of health insurance plan that only allows you to see doctors within their network. This plan generally doesn’t cover out-of-network services, except in the case of an emergency. An HMO also requires you to choose a primary care physician to be eligible for coverage. The primary care physician coordinates your care. This means they must give you permission before seeing a specialist.

Preferred Provider Organizations (PPOs)

PPOs are a type of health insurance plan that gives you better coverage to see the doctors within their network. You will pay less to see an in-network doctor than an out-of-network doctor. You can still see doctors outside of that plan’s network. Unfortunately, you will have to pay more for those services.

Point Of Service (POSs)

POS plans encourage you to see in-network providers. You will pay less if you use in-network healthcare providers. Think of a POS plan as a hybrid between an HMO and PPO. You are choosing whether you want to use HMO or PPO services each time you go to the doctor. Like an HMO plan, you have to choose a primary care physician. But, you can pay extra to see non-participating providers, as you would with a PPO plan. POS plans also require a referral from your primary care physician to see a specialist for any reason.

Exclusive Provider Organizations (EPOs)

EPOs are plans that only cover in-network services. Unlike an HMO, you don’t need to name a primary care physician or get a referral to see a specialist, as long as you choose a ‘participating provider.’

A network provider has agreed to provide services to the plan’s members at a discounted price.

Contact Our Billing Department

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

For more information about our financial policy, click here.

Typically an insurance plan will have a deductible, coinsurance or copayment, and an out-of-pocket maximum. Although every insurance plan is different and may not have each of these, it’s important to understand them and how they work. So, will you have to pay for physical therapy? Let’s discuss it!

Pay For Physical Therapy

Coverage

Your plan’s deductible may not apply to every health care service that you need. You might not have to pay your deductible for things like physical therapy or office visits. In these cases, the insurance company will pay some or all of the bill entirely.

Coinsurance amounts can be different depending on the type of service. For instance, there may be a 10% coinsurance for wellness visits and a 20% coinsurance for exam visits. While some services may not require a coinsurance at all.

Most insurance plans have some sort of copay for one or more services. Each service has a different copay. For example, you may have a $30 copay for specialist visits, but a $50 copay for lab tests. On the other hand, some services may not require a copay at all.

Depending on your plan, your insurance may cover physical therapy completely, at no cost to you. As a courtesy, our billing department verifies your health insurance benefits prior to your first visit. It is important to understand that you are under contract with your insurance company. Your Insurance company determines the amount owed to Borja PT. This is never determined by Borja PT. 

Please do not ask the billing department to adjust any charges. The insurance company determines these payments and we are not permitted to adjust them. It is very important for you to know your benefits so unexpected balances do not occur. The billing department files with many insurance companies that have several different types of plans. Therefore, you must make sure your benefits are accurate.

For more information about health insurance, click here.

We strive to make every patient feel valued and well taken care of.  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. So, will your auto insurance cover physical therapy? Let’s discuss this some more!

Auto Insurance Cover Physical Therapy

We are happy to treat patients with personal injury or motor vehicle accident claims. The billing department will need the information to verify each claim prior to service. For example, they will need the claim number, the adjuster’s name and contact phone number, and the claim mailing address. The billing department will contact the claims adjuster to get further details of your coverage. 

Should the auto insurance company deny your claims, the claims will be submitted to your medical insurance. If you do not have medical insurance, 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.

For more information about health insurance, click here.

Some people need extra coverage beyond their normal health insurance benefits. These are often referred to as replacement plans. So, what are replacement insurance plans?

What Are Replacement Insurance Plans

Those who qualify for Medicare health insurance have a few different options. They can purchase a secondary insurance plan, often referred to in this case as ‘Medigap’. These plans cover some of the expenses that Medicare does not.

Another option is a replacement insurance plan. Medicare replacement plans are just that- replacement plans for standard Medicare health insurance. A person can purchase a replacement plan through a private insurance company, such as Blue Cross Blue Shield. These plans typically cover everything that traditional Medicare would, but also covers additional services as well.

Replacement Plans

These replacement plans, called ‘Medicare Advantage Plans’, are similar to private health insurance plans in both cost and coverage. Advantage Plans can have deductibles, coinsurances, and copayments, depending on the service. Some plans offer out-of-network benefits. Some only cover healthcare providers that are in their network.

These plans were created to lower costs and improve the quality of care. They also give patients more choices. Unfortunately, changes over the years have strayed from those original goals. Many replacement plans can actually cost more than traditional Medicare alone would. This is usually through high premiums and out-of-pocket costs. Advantage plans also have their own provider networks. They may restrict the doctors you are able to see.

  • For example, Dwayne is enrolled with Medicare for his health insurance. He decides to purchase a Medicare replacement plan through Blue Cross Blue Shield. 
  • He pays less for his Blue Cross Blue Shield Medicare Advantage plan than he would for Medicare as his primary insurance and Blue Cross as his secondary insurance combined. But now he is limited to seeing doctors in his replacement plan’s network. 
  • The family doctor he has been seeing for over 20 years is not in-network with his replacement plan. This leaves Dwayne to find a different doctor.

For more information about health insurance, click here.

Some people decide to get additional health insurance coverage. This comes in the form of a supplemental health insurance plan. So what is supplemental insurance? Supplemental insurance, also called secondary insurance, is coverage that fills in gaps of the primary health insurance plan. This can include copayments, coinsurances, and deductibles. 

What Is Supplemental Insurance

Secondary health insurance plans are meant to work with primary health insurance plans, not replace them. 

  • For example: Dwayne Johnson’s primary insurance is Aetna, which only covers 80% of his medical expenses.
  • Dwayne decided to purchase a secondary insurance plan through Blue Cross Blue Shield, which picks up the remaining 20% that his Aetna policy does not cover.
  • Although Dwayne has to pay a monthly premium in order to have secondary coverage from Blue Cross Blue Shield, the cost of that premium tends to be a lot lower than the out-of-pocket medical costs he would have to pay with Aetna coverage alone. 

For more information about health insurance, click here.

When it comes to the different types of insurance plans, you’re looking at the type of healthcare services that are covered in your plan. You’re also looking at the doctors and facilities you are allowed to see as well. Some plan types let you see any doctor at any healthcare facility. Other plans can limit your choices. They can even charge you more if you use providers outside of the insurance company’s network. 

Types Of Insurance Plans

The different plan types include HMOs, PPOs, POSs, and EPOs. Each plan type has a different amount of freedom in choosing healthcare providers.

Health Maintenance Organizations (HMOs)

HMO plans are a type of health insurance plan that limits which doctors you are allowed to see. They typically only allow doctors who are contracted with the HMO network. This plan generally doesn’t cover out-of-network services, except in the case of an emergency. An HMO also requires you to choose a primary care physician to be eligible for coverage. The primary care physician helps coordinate your care. This means they must give you permission before seeing a specialist.

Preferred Provider Organizations (PPOs)

PPO plans are a type of health insurance plan that has a group of contracted providers called participating providers. If you see a participating provider, you will pay less than you would for a doctor who isn’t. You can still see doctors outside of that plan’s network, but you will have to pay more for those services.

Point Of Service (POSs)

POS plans are a type of health insurance plan that allows you to pay less if you use doctors, hospitals, and other providers that belong to the plan’s network. Think of a POS plan as a hybrid between an HMO and PPO. You choose whether you want to use HMO or PPO services each time you go to the doctor. Like an HMO plan, you have to choose a primary care physician. You can pay extra to see non-participating providers like you would with a PPO plan. POS plans also require a referral from your primary care physician to see a specialist.

Exclusive Provider Organizations (EPOs)

EPO plans are managed care plans where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network, except in an emergency. Unlike an HMO, you don’t need to name a primary care physician or get a referral to see a specialist, as long as you choose a ‘participating provider.’

This information will help you decide which of these plans is right for you and your family. For more information regarding insurance benefits, click here.

Typically an insurance policy will have a deductible, coinsurance or copayment, and an out-of-pocket maximum. Although every insurance plan is different and may not have each of these, it’s important to understand them and how they work, like the difference between a copay and coinsurance. It’s especially useful when it comes time to choose future health care plans.

Difference Between A Copay And Coinsurance

Copays

copayment (also referred to as a copay) is a nice, round dollar amount you pay for health care services after you’ve paid your deductible.

  • For example, Dwayne’s health insurance plan’s cost for a doctor’s visit is $100. His particular plan has a copayment charge of $15 for office visits.
  • If Dwayne has already met his deductible, then he will only be responsible for paying $15 at the time of service.
  • If he hasn’t met his deductible, however, he will pay $100, the full allowable amount for the visit.

For the most part, all insurance plans have some sort of copay for one service or another. Copayment amounts can vary for different services. You may have a $30 copay for specialist visits yet have a $50 copay for lab tests. Some services may not require a copay at all.

Coinsurance

coinsurance is a percentage of the costs for health care services you are responsible for paying after you’ve met your deductible.

  • For example, if the health insurance plan’s allowed amount for an office visit is $100, and Dwayne has met his deductible already, his 20% coinsurance payment would end up being $20 (20% of $100).
  • The health insurance company will then pay the rest of the allowed amount ($80).

Coinsurance amounts can be different depending on the type of service. You may have a 10% coinsurance for chiropractic visits yet have a 20% coinsurance for exam visits. Some services may not require a coinsurance at all.

Using your newly found knowledge about health insurance will help you pick the right plan for you. For more information regarding insurance benefits, click here.

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. Not to mention, we empower your decision to self-heal the natural way, without relying on pain pills, injections or surgery. We look at health and your body as a whole. So, will insurance cover Fit3D body scanning?

Insurance Cover Fit3D

Will Insurance Cover Fit3D Body Scanning?

Currently, health insurance does not cover Fit3D body scanning. However, we do offer several different package options.

You may have heard the buzz about Fit3D body scanning, but what exactly is it? The Fit3D Body Scanning system is the only 3D body scanning machine developed for fitness and wellness facility. In fact, it was created by veterans in the fitness industry.

Simply put, the Fit3D Body Scanner takes a full body scan and assesses your body composition. After about 40 seconds, the software creates a unique avatar of your body figure. It also calculates different measures, such as lean body mass, body fat %, and more.

The scanner also analyzes your posture and metabolic rates as well. Then, the results are emailed directly to you. You can access them anytime you want. This allows you to take a quick look at where you’re at, and what direction you’re heading in.

Using The Fit3D

Using the Fit3D Body Scanner is easy. All you have to do is step onto the platform. Next, grab the adjustable handles, press the buttons and the scanning begins. From there, you will stand still as the platform rotates. This ensures that your scan and reading are as accurate as possible.

As the platform rotates, the scanner itself will move up and down as well. It is taking in a full image of your body, so it’s important not to move during the scan. If you adjust your footing or the Fit3D returns an unclear scan, you will have to do the process all over again.

Those who use the Fit3D scanner find that they are able to lose fat and gain muscle easier. Not to mention, improve heart rate and stamina, and reach other fitness goals. Using the data from the Fit3D on a regular basis is an excellent tool to have.

Click here to learn about how the Fit3D Body Scanner can help you.

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. Not to mention, we empower your decision to self-heal the natural way, without relying on pain pills, injections or surgery. We look at health and your body as a whole. So, how can Fit3D help with weight loss?

How Can Fit3D Help With Weight Loss?

The Fit3D Body Scanning system is the only 3D body scanning machine developed for fitness and wellness facility. In fact, it was created by veterans in the fitness industry.

Fit3D Help With Weight Loss

Simply put, the Fit3D Body Scanner takes a full body scan and assesses your body composition. After about 40 seconds, the software creates a unique avatar of your body figure. It also calculates different measures, such as lean body mass, body fat %, and more.

The scanner also analyzes your posture and metabolic rates as well. Then, you receive the results directly by email. You can access them anytime you want. This allows you to take a quick look at where you’re at, and what direction you’re heading in.

Infrared HD cameras capture over 1200 images of your body. You will see every angle of yourself. You can easily measure your progress in complete privacy. For starters, the report will make sure you’re losing fat instead of hard-earned muscle. Not to mention, you will receive a detailed analysis of your posture to see what you need to work on.

The accurate, visualized, and simple design of the Fit3D makes it easy to really understand your body and what it’s going through. With better understanding comes better response and action. You’ll be able to push your health, wellness, and fitness forward. Not to mention, improve your confidence too!

Click here to learn more about using the Fit3D scanner.

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. Not to mention, we empower your decision to self-heal the natural way, without relying on pain pills, injections or surgery. We look at health and your body as a whole. So, what do you wear for Fit3D Body Scanning?

What Do You Wear For Fit3D Body Scanning?

Wear For Fit3D

You will want to wear as little clothing as possible for the body scan. Any clothing you wear must be skin-tight for accurate measurement and assessment. Men can wear tight shorts during the scan. Similarly, women can wear tight shorts or yoga pants, as well as a sports bra or tank top. Long hair should be secured tightly in a bun on top of the head. This prevents any errors during the scan.

The accurate, visualized, and simple design of the Fit3D makes it easy to really understand your body and what it’s going through. With better understanding comes better response and action. You’ll be able to push your health, wellness, and fitness forward. Not to mention, improve your confidence too!

Simply put, the Fit3D Body Scanner takes a full body scan and assesses your body composition. The software creates a unique avatar of your body figure. It also calculates different measures, such as lean body mass, body fat %, and more.

The scanner also analyzes your posture and metabolic rates as well. Then, you receive the results directly by email. You can access them anytime you want. This allows you to take a quick look at where you’re at, and what direction you’re heading in.

Infrared HD cameras capture over 1200 images of your body. You will see every angle of yourself. You can easily measure your progress in complete privacy. For starters, the report will make sure you’re losing fat instead of hard-earned muscle. Not to mention, you will receive a detailed analysis of your posture to see what you need to work on.

Click here to learn more about using the Fit3D scanner.

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. Not to mention, we empower your decision to self-heal the natural way, without relying on pain pills, injections or surgery. We look at health and your body as a whole. So, what are the benefits of Fit3D Body Scanning?

What Are The Benefits Of Fit3D Body Scanning?

Benefits Of The Fit3D

The accurate, visualized, and simple design of the Fit3D makes it easy to really understand your body and what it’s going through. With better understanding comes better response and action. You’ll be able to push your health, wellness, and fitness forward. Not to mention, improve your confidence too!

The Fit3D Body Scanning system is the only 3D body scanning machine developed for fitness and wellness facility. In fact, it was created by veterans in the fitness industry.

Simply put, the Fit3D Body Scanner takes a full body scan and assesses your body composition. After about 40 seconds, the software creates a unique avatar of your body figure. It also calculates different measures, such as lean body mass, body fat %, and more.

The scanner also analyzes your posture and metabolic rates as well. Then, you receive the results directly by email. You can access them anytime you want. This allows you to take a quick look at where you’re at, and what direction you’re heading in.

Infrared HD cameras capture over 1200 images of your body. You will see every angle of yourself. You can easily measure your progress in complete privacy. For starters, the report will make sure you’re losing fat instead of hard-earned muscle. Not to mention, you will receive a detailed analysis of your posture to see what you need to work on.

Click here to learn more about using the Fit3D scanner.

Here at Borja Physical Therapy, our world revolves around our patients’ needs! Our experienced and highly trained team is here to make recovery a reachable goal! We specialize in keeping you active. Not to mention, we empower your decision to self-heal the natural way, without relying on pain pills, injections or surgery. We look at health and your body as a whole. So, what is Fit3D Body Scanning?

What Is Fit3D

What Is Fit3D Body Scanning?

You may have heard the buzz about Fit3D body scanning, but what exactly is it? The Fit3D Body Scanning system is the only 3D body scanning machine developed for fitness and wellness facility. In fact, it was created by veterans in the fitness industry.

Simply put, the Fit3D Body Scanner takes a full body scan and assesses your body composition. After about 40 seconds, the software creates a unique avatar of your body figure. It also calculates different measures, such as lean body mass, body fat %, and more.

The scanner also analyzes your posture and metabolic rates as well. Then, the results are emailed directly to you. You can access them anytime you want. This allows you to take a quick look at where you’re at, and what direction you’re heading in.

Using The Fit3D

Using the Fit3D Body Scanner is easy. All you have to do is step onto the platform. Next, grab the adjustable handles, press the buttons and the scanning begins. From there, you will stand still as the platform rotates. This ensures that your scan and reading are as accurate as possible.

As the platform rotates, the scanner itself will move up and down as well. It is taking in a full image of your body, so it’s important not to move during the scan. If you adjust your footing or the Fit3D returns an unclear scan, you will have to do the process all over again.

Those who use the Fit3D scanner find that they are able to lose fat and gain muscle easier. Not to mention, improve heart rate and stamina, and reach other fitness goals. Using the data from the Fit3D on a regular basis is an excellent tool to have.

Click here to learn about how the Fit3D Body Scanner can help you.

We hope that after your first visit, you will feel valued and well taken care of.  Physical Therapy is a tool. It’s a pathway to get you to your goals. Our highly trained staff members at Borja Physical Therapy strive to do their best to make your experience pleasant. As part of this relationship, we wish to review the expectations of your financial responsibility as outlined in our Financial Policy.

Health Insurance Benefits

As a courtesy, the Billing Department verifies your insurance benefits. Please provide your insurance cards prior to your first visit.

There are 3 different ways you can pay for your visits.

Financial Policy

Option #1

First, if you would like to wait until your insurance company determines your patient responsibility for each visit, we are happy to do so. In order to do this, you must place a credit card on file for automated payment at the end of each month.

Option #2

You may also enroll in a payment plan. This automatically charges 10% of your estimated total costs at the beginning of each week until the total balance for your entire plan of care is paid in full. Payment plans require credit card or bank account information to be put on file for direct withdrawals.

Option #3

Lastly, if you would prefer to not put a credit card on file, you can choose to pay each visit. We require an estimated payment at the time of service.

In rare cases, the insurance company denies claims because you need to verify your personal information. When this happens, the bill will be shifted to you until the issue is resolved. If you’re not willing to call the insurance company, you will be responsible for the entire amount of the bill.

Outstanding Balance

If you are a former patient and wish to return to physical therapy while there is still an outstanding balance on file, you must pay off the remaining balance in full. You may also enter into a payment plan agreement as well. As previously stated, the Borja PT Billing Department may work with you to create a payment plan based on the remaining balance in question.

Understand Your Benefits

It is important to understand that you are under contract with your insurance company. Your Insurance company determines the amount owed to Borja PT. This is never determined by Borja PT. 

In general, it is not acceptable for a patient not to pay their balance owed to Borja PT. Doing this is a breach of the contract with your insurance company. 

Please do not ask the billing department to adjust any charges. The insurance company determines these payments and we are not permitted to adjust them.  It is VERY important for the patient to know their individual benefits so unexpected balances do not occur. The Borja PT Billing Department files with many insurances that offer several different plans. Therefore, the patient must make sure their benefits are accurate.

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

Workers Compensation/Motor Vehicle Accidents

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

Should the Workers Comp or Auto company deny your claims, the claims will be submitted to your Medical Insurance. If you do not have medical insurance, 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.

Click here to learn about our office policies.

Physical Therapy Sessions

When you begin physical therapy, you schedule your appointments for the following week. On average, each physical therapy session lasts around 45-60 minutes long. We space out appointments to ensure each patient gets their full amount of time. We take pride in providing the best care for all of our patients. That’s why we have a same-day schedule policy.

Same-Day Schedule

Same-Day Schedule Policy

Our same-day schedule policy is for patients who have missed two or more appointments without providing notice. This means you would not schedule your appointments in advance. Instead, you would simply call, text, or email our office on the day you would like to attend therapy to see what times are available. Our front desk staff will then reserve the time slot of your choice for that day.

Missing your appointments can disrupt the clinic and your physical therapist. In addition, it can even disrupt other patients as well. While sometimes you may be running behind, or forget about your appointment altogether, it’s important to respect your therapist’s time.

Prolonging Treatment

Your treatment plan was created by your therapist to help you get back to your regular activities as quickly as possible. They established personalized goals and have worked with you to progress toward those goals. When you miss your appointments, it interrupts your plan of care. As a result, it may end up prolonging your recovery. 

We want to do all that we can to provide the care that you deserve. Not to mention, get you back to being pain-free and enjoying life again. The same-day schedule policy will allow you to continue on your recovery journey, without needing to schedule appointments ahead of time. Simply contact our office on the day you would like to have therapy and our team will work with you to find an open time that fits your schedule.

To learn about our no-show policy, click here.

When you begin physical therapy, you schedule your appointments for the following week. On average, each physical therapy session lasts around 45-60 minutes long. We space out our appointments. This is to ensure each patient gets their full amount of time. We take pride in providing the best care for all of our patients. That’s why we have a do-not-show policy.

Do-Not-Show Policy

Do-Not-Show Policy

Missing your appointments can disrupt the clinic and your physical therapist. In addition, it can even disrupt other patients as well. While sometimes you may be running behind, or forget about your appointment altogether, it’s important to respect your therapist’s time.

We kindly ask that you provide our office with 24-hour notice to change or cancel an appointment. Patients who do not attend a scheduled appointment may be responsible for a $25.00 fee. You cannot bill this charge to insurance. Additionally, you must pay your fee on or before the next scheduled appointment. 

Accident claims adjusters expect regular attendance to physical therapy. In fact, it’s a requirement of the approved treatment plan. If appointments are missed or canceled on a regular basis, it could affect the status of your claim.

We reserve your 45-minute appointment time just for you. We do not double-book our patients so that we may provide optimum treatment outcomes. The 24-hour notice allows us to place another patient in your canceled appointment period. 

Prolonging Your Recovery

Your treatment plan was created by your therapist to help you get back to your regular activities as quickly as possible. They established personalized goals and have worked with you to progress toward those goals. When you miss your appointments, it interrupts your plan of care. As a result, it may end up prolonging your recovery. 

We want to do all that we can to provide the care that you deserve. Not to mention, get you back to being pain-free and enjoying life again. The same-day schedule policy will allow you to continue on your recovery journey, without needing to schedule appointments ahead of time. Simply contact our office on the day you would like to have therapy and our team will work with you to find an open time that fits your schedule.

After you miss two appointments without notice, you may be placed on a same-day scheduling policy for your treatments, which would not allow you to schedule any appointments in advance.

Typically an insurance policy will have a deductible, coinsurance or copayment, and an out of pocket maximum. Although every insurance plan is different and may not have each of these, it’s important to understand them and how they work. It’s especially useful when it comes time to choose future health care plans.

Out Of Pocket Maximum

Out Of Pocket Maximum

The out of pocket maximum (OOPM) is the most you will ever have to pay during a policy period (usually a calendar year) for health care services. The total of all your deductible, coinsurance, and copay payments go toward your OOPM. Once you have met this amount, the insurance company will pay 100% of all remaining covered services for that year.

  • For example- Dwayne has a health insurance plan with a $2000 deductible, 20% coinsurance, and $3000 out of pocket maximum and he needs a $10,000 surgery…
  • First, he will pay $2000 toward his deductible, leaving $8,000 remaining in medical costs. Now that he has met his deductible for the year, he will no longer have to make deductible payments.
  • Next, he will have to pay his coinsurance. His 20% coinsurance on the remaining costs ($8,000) comes to $1600.
  • His deductible, $2000, plus his coinsurance, $1600, would make his total costs for his surgery $3600.

But, wait? I thought his out of pocket maximum was $3,000 and he should never have to pay more than that? 

  • Since his out of pocket maximum is $3000, he will only have to pay $3000 for the surgery and his insurance company will pay for the rest of the costs.
  • Meeting his OOPM also means that his insurance company will pay for any covered care he gets for the rest of the plan year.

The out-of-pocket limit does not include your monthly premiums. Think of your premium like paying for a gym membership; you pay $29.99 a month to be allowed into the gym and workout. In this case, your premium is the payments you make each month to your insurance company to have healthcare coverage.

For more information regarding insurance benefits, click here.

Physical Therapy Sessions

When you begin physical therapy, you schedule your appointments for the following week. On average, each physical therapy session lasts around 45-60 minutes long. We space out appointments to make sure each patient gets their full amount of time. We take pride in providing the best care for all of our patients. That is why we have a cancellation policy in place.

Cancellation Policy

If you need to cancel your appointment, you may contact the clinic at (586) 884-4565 to leave a message, or send an email to [email protected]. Additionally, you can text our staff as well. Please provide your name, phone number, appointment date & time, and reason for the cancellation. We require a 24 hours notice for cancellations in order to avoid a cancellation fee.

Some accident claims adjusters expect regular attendance to physical therapy. This is part of a requirement for an approved treatment plan. If appointments are missed or canceled on a regular basis, it could affect the status of your claim.

Prolonging Treatment

Missing your appointments can disrupt the clinic and your physical therapist. In addition, it can even disrupt other patients as well. While sometimes you may be running behind, or forget about your appointment altogether, it’s important to respect your therapist’s time.

Your treatment plan was created by your therapist to help you get back to your regular activities as quickly as possible. They established personalized goals and have worked with you to progress toward those goals. When you miss your appointments, it interrupts your plan of care. As a result, it may end up prolonging your recovery.

We want to do all that we can to provide the care that you deserve. Not to mention, get you back to being pain-free and enjoying life again. The same-day schedule policy will allow you to continue on your recovery journey, without needing to schedule appointments ahead of time. Simply contact our office on the day you would like to have therapy and our team will work with you to find an open time that fits your schedule.

To learn about our no-show policy, click here.

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Borja Physical Therapy And Weight Loss Clinic