Insurance Information

We can provide physical therapy services directly without referral. Many insurance companies, however, require a physician referral or prescription to pay for services.

Please check with your insurance company to determine your PT benefits, deductible, co-pays and/or if a prescription is required.

We accept many major insurance carriers:

  • Aetna
  • Blue Cross/Blue Shield
  • Cigna (includes Great West / Connecticut General)
  • First Choice
  • Group Health PPO Options
  • Healthcare Management Administrators (HMA)
  • Kitsap Physician Services (KPS)
  • Labor & Industries of Washington
  • Medicare
  • NW Sheet Metal Workers
  • Painters Trust
  • Premera
  • Railroad Medicare
  • Regence
  • Regence Group Administrators (RGA)
  • Regence MedAdvantage
  • Regence Uniform
  • Teamsters
  • TriCare/TriWest
  • United Healthcare

For insurance companies with which we are not contracted, you may still be able to utilize your insurance coverage if you have “out of network” benefits. We suggest that you check on your “out of network” benefits to determine potential financial responsibility before attending appointments.

Insurance Billing
We recognize that dealing with insurance companies can be somewhat confusing. In our effort to assist you through this process, we would like to provide the following information: (links to below)

Health Insurance
Medicare Labor and Industries / Workman’s Comp
Motor vehicle accident (PIP)
Non-Contracted Insurances


Health Insurance
Many patients come to us with health insurance. During your first visit, our MTI front office staff will ask you for your insurance card to copy. The information on the card, together with additional information you have provided during the initial visit, will allow us to verify insurance coverage and benefits, as well as obtain any required referral and/or authorization information. At that point we will send claims to your primary insurance company.

Also, most insurances require a portion of each visit to be patient responsibility, in the form of a co-pay or co-insurance percentage, and we ask for this payment at time of service.


Medicare
Medicare requires a referral from a physician for physical therapy, which is valid for the first 60 days of treatment. Thereafter, a current referral is required every 30 days to continue therapy.

The therapist will re-evaluate your condition every 30 days and send the report to your referring physician to authorize continued care. Please note that your physician may ask you to schedule a visit with their office before authorizing further treatment.

Please be aware that Medicare has limited physical therapy benefits to approximately 15 visits per year. MTI will assist you in tracking your approach to your benefit maximum.


Workman’s Comp/Labor & Industries
The therapist will re-evaluate your condition every 30 days and send the report to your referring physician as well as to L&I to authorize continued care. Please note that your physician may ask you to schedule a visit with their office before authorizing further treatment.


Motor Vehicle Accident
We will only send PIP claims to your auto insurance company. You will need a claim number and the adjuster’s name and phone number that was assigned to your claim. If you do not have PIP, your health insurance may pay the claims. Please check with them to ensure coverage. On a monthly basis, we will send a progress note to your referring physician regarding your treatment and progress.

MTI will not bill third party auto/PIP. It is important that you remember that MTI is not contracted with any auto or PIP carrier. Therefore any treatment that is denied or not paid for by the auto or PIP carrier is the responsibility of the patient to pay at 100%.


Non-Contracted Insurances
If your insurance company is non-contracted with MTI (or out of network), MTI will bill your insurance for you. However, you will be responsible for issuing payment on any denied or non-paid services.