Do Physical Therapists Require Insurance?

Feeling nagging pain is a part of life. At some point, everyone will experience aches and discomfort in various parts of the body. These ailments may be the result of a sports injury, a car accident, a fall, or even from the effects of getting older. Taking medication can give you pain relief; surgery may correct structural or muscular problems because of the incident or condition. However, for a full recovery and to overcome symptoms, you may need physical therapy, such as from a Falls Church, VA physical therapist from AmeriWell Clinics. This treatment is critical in the aftermath of these issues. Unfortunately, some people hesitate to do physical therapy for a variety of reasons. Some people think they need a doctor to refer them to a physical therapist. It’s important for you to understand the facts about getting physical therapy. 

You Do Not Need a Doctor’s Referral

Contrary to common belief, you should not need a doctor’s permission to see a physical therapist. It may make sense to first visit a doctor and get a diagnosis for your condition. In doing so, the doctor may recommend that you see a physical therapist. The physician may even have someone in mind that could help you. But a physical therapist’s office should not turn you away if you try to make an appointment without first having gotten a doctor’s referral. But if you have any concerns, please contact a reputable physiotherapy clinic, like AmeriWell Clinics–home to excellent and professional physical therapists. 

An Exception

There is an exception to this rule, and it has to do with insurance coverage. Some health insurance plans will cover visits to primary care providers but will not cover services from specialists or other medical professionals without a referral first. Obtaining a referral is a simple process where the primary care provider calls or emails the specialist granting the referral. Bear in mind that more and more insurance plans are going away from requiring referrals. 

Insurance Will Cover It

Your health insurance plan should cover physical therapy, as long as it is medically necessary. Your plan may restrict how many visits you can make within the plan year. You may also have a co-pay to make at each appointment. Before you select a physical therapist, make sure your insurance plan accepts that provider. If the therapist is out of network, you will likely have to pay a higher rate, or you may have no coverage at all. Thankfully, we have payment plans that will make a physiotherapy session more accessible and affordable. 

You should not have to live in pain or suffer the consequences of an injury forever. Do not let questions about insurance keep you away from a physical therapist.