Is Physical Therapy Covered Under Health Insurance?

Nevada Insurance Enrollment Explains Insurance Coverage for Physical Therapy

LAS VEGAS - nvtip -- Whether you have recently been injured or you are experiencing chronic pain or limited mobility, going to a physical therapist can greatly improve your quality of life. For many people, concerns about how much regular sessions cost is a big roadblock to getting much-needed care. Fortunately, if you have an ACA-compliant health insurance plan, rehabilitative services like physical therapy are listed among the essential health benefits. Your health insurance agent can help you understand your specific policy, so you know what to expect if you need physical therapy.

Do I Need a Referral to See a Physical Therapist?
Whether you need a referral to see a physical therapist depends on your health insurance plan. Generally speaking, if you have an HMO plan, you need a referral from your primary doctor to see a specialist, such as a physical therapist.  If you have a PPO, you do not need a referral to see a specialist. However, it is important to note that even if your health insurance plan does not require that you get a referral to see a physical therapist, the therapist may require a referral from your doctor. Also, give your health insurance plan a call and inform them of your need for rehab and find out if you need and pre-authorizations.

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Are Physical Therapy Sessions Covered by My Health Insurance?
If you have health insurance through your employer, you purchased your policy through Nevada Health Link, or if your plan was purchased "Off Exchange" (not purchased through Nevada Health Link) but is still an ACA (Obamacare) plan, then your plan is ACA-compliant and covers physical therapy for new or old injuries. Be aware that you'll have deductibles, co-insurance, and co-pays most likely. You'll need to ask your broker/agent or your health insurance company how your plan works. Therefore, it's so important to have an agent you can ask these types of questions to and get quick answers.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment

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