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Insurance

Customer Service and Expert Care

Our goal at Sportho Physical and Aquatic Therapy is to provide our patients with individualized expert treatment despite the patient's insurance coverage or restrictions. Should you have any questions regarding your insurance and how it relates to physical therapy services, please do not hesitate to contact our office. We will gladly answer your questions to the best of our knowledge and help you to determine your best course of treatment.

A physician referral / prescription indicating the diagnosis is required to receive Physical Therapy in Illinois.

 

Billing and Insurance Claims

Upon receiving your insurance information we will gladly contact your insurance company to obtain your physical therapy benefits, deductibles and co-pays, which will provide you with a clearer picture of your financial responsibilities, as you initiate your rehabilitation program. Please be aware that a quote of benefits is not a guarantee of payment. With your authorization, we will provide your insurance company with the information they may require in an effort to certify treatment and expedite appropriate payment of your claims.

We will file your claims for services rendered, directly to your insurance company as a courtesy to you. Every effort will be made to obtain payment from your insurance company for the services rendered to you at Sportho Physical Therapy.

Standard fees will be billed, but reimbursement will vary depending on the contract we have with the managed care company handling the claims. This will result in a reduction of the fees and lower the cost to our patients.

Deductibles, co-insurances, and/or co-pays are due at the time services are rendered. Any portion not covered or denied by the insurance is the patient's responsibility and payment is expected at the time of that determination. Cash, personal check, money orders, Visa and Mastercard are accepted as a convenience for our patients.

 

Managed Care

Requirements and restrictions vary from one Managed Care Health Plan to another. In an effort to obtain the highest level of payment, it is beneficial that the patient understand the requirements and limitations prior to initiation of treatment. Limitations and requirements may include, but are not limited to:

  • Deductible or Co-pay per visit obligations required at the time of service.
  • Referrals from the Primary Care Physician (PCP) for physical therapy at the preferred facility (generally required for HMO and some POS policies).
  • Number of allowable Physical Therapy visits per year.
  • Pre-certification or authorizations for treatment.

We will be glad to assist in determining the patient's obligations and requirements.

 

Affiliated Insurance Carriers and Health Plans

     The following is a list of In-Network Insurance Carriers and Plans, which Sportho has contracted with to better serve our patients. If the Insurance Carrier or Health Plan you are looking for is not on the list, or if you have any questions pertaining to insurance / billing please do not hesitate to contact our office at 773-586-2768 for more information.

  • Aetna (EPO*, HMO*, PPO, POS)
  • Blue Cross Blue Shield
    Blue Cross PPO
    Blue Cross POS
    Blue Choice*
    Blue Advantage
    Workers Choice
    Blue Cross EPO
    Most HMO Policies*
  • CCN (PPO, EPO, POS, HMO*)
  • First Health (PPO & Workers Comp)
  • Galaxy Health Network (All Products)
  • Great West (PPO, HMO, POS, OA)
  • Healthcare's Finest Network - HFN
    PPO EPO
    Concert Health Plan (PPO & EPO)
    Workers' Compensation
    Auto/Disability Program
  • Humana
    PPO/ChoiceCare
    HMO
    Humana Preferred
    Humana Preferred POS
    Humana Open Access
    Humana Gold - Medicare*

* Referral Needed

  • Medicare Part B & Railroad
  • PPO Next
    Healthstar
    Preferred Health Net - PHN
  • Preferred Plan Inc
    PPO, EPO, POS, HMO
    Workers' Compensation
  • Private Healthcare System
    PHCS - PPO
  • Unicare
    PPO HMO*
    Platinum PPO - Classic
    Platinum PPO - ClasicPlus
    HMO - Performance*
  • All Workers' Compensation
    Including: Chicago Fire Dept;
    Chicago Police Department;
    All City Employees covered by Committee on Finance;
    Government Employees - USPS/DOL
  • Call for Information Regarding
    United Healthcare PPO
    Personal Injury Claims
    Moving Vehicle Accidents

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