Insurance

We are preferred providers through:

  • Aetna
  • Carpenters Trust
  • Cigna /Great-West Healthcare
  • First Choice Health
  • Kaiser
  • HMA
  • Labor & Industries
  • LifeWise
  • Medicare
  • Premera Blue Cross (and out of state Blue Cross/Blue Shield plans)
  • Regence Blue Shield
  • Tricare/UHC Military and Veterans (TriWest)

If you are a client with questions about your account, please call our Billing Department at (360) 752-2673 ext 2.

Can I still go to CorePhysio if you are not a preferred provider for my network?

YES! We are happy to work with clients with other insurance at the out-of-network rate. Out-of-network reimbursement rates may be less than the in-network rate for many plans, resulting in higher out of pocket costs for the client. As a result, we offer out-of-network clients the opportunity to pay on the day of service to receive the private pay discount on their services,

We are not contracted with Community Health Plan, Apple Health, or Molina, and do not accept medical coupons.

How do I check my insurance benefits?

Talk with your health care provider about a prescription to physical therapy for your musculoskeletal condition. As a consumer, you may choose where you receive these services regardless of the referral pad on which the prescription is written. Choose the clinic that best meets your needs, by a physical therapist that specializes in the evaluation and treatment of your specific musculoskeletal condition. Your insurance may not require a physician’s prescription and, although Washington State allows Physical therapist practice without prescription, we prefer for clients to have had a physician’s screen prior to working with us.

Call your insurance company and ask the following questions:

  • Do I need a prescription, referral, or authorization for physical therapy? (These terms are often used interchangeably but actually mean very different things!
  • What is my coverage for in-network physical therapy providers?
  • What is my coverage for out-of-network physical therapy providers?
  • What is my maximum number of visits or maximum amount of financial coverage per year for physical therapy?

You are responsible for understanding the insurance coverage of your physical therapy treatment, and for paying the remainder of the claim which insurance does not cover.

Why aren't you a preferred provider for every insurance?

We are proud to be preferred providers with a wide range of insurances and provider networks. The amount of detailed information required to secure payment for medical services from numerous insurance companies with different policies is an exceptional task, as is the process to negotiate and obtain a reasonable payment contract. We try to balance this service to our clients and community with the needs and abilities of our business and staff.

We are a small clinic that emphasizes the provision of quality care at a reasonable price for clients who recognize the unique value of our services. Please know that we are sincerely looking forward to providing you with outstanding physical therapy services and that we value the opportunity to work with you.

What should I know if I have a High Deductible Health Plan (HDHP)?

It’s a new year and your deductible has just reset. Unfortunately, it’s grown higher than last year and sure enough, you’ve got a bout of low back pain or your knee is acting up again. Your doctor recommends that you try physical therapy before prescribing addictive pain medications or expensive MRIs, but you’re worried about the cost and not exactly sure how your High Deductible Health Plan works.

Don’t sweat it – we’ve got you covered! Here’s what you need to know:

What is a high deductible health plan?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load.  The IRS says that a health plan is considered an HDHP if….

  • The deductible is $1300 or more, for individuals
  • The deductible is $2600 or more, for families

In 2016, Price Waterhouse Coopers’ Health Research Institute reported that 40% of employer driven health plans are expected to be High Deductible Health Plans (HDHP) over the next three years. Half of employers have annual deductibles of $1000 or more.

Additionally, more than 90% of persons enrolled in an Exchange Plan are in High Deductible Health Plans, in which the average deductibles are even higher: $3572 for an individual and $7474 for a family.

What does that mean for me?

Getting PT early has been proven to save time, money, and unnecessary treatment down the road. Early PT can actually eliminate the need for MRIs, medications, and even surgery. CorePhysio's therapists are specialists, not generalists, which means you get results in fewer visits, saving you time and money.

All that considered, it can still seem daunting to dip into your pocket for care, especially when you don’t know what to expect from a cost standpoint. Fortunately, we’re well-versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you get the care you need without breaking the bank.

The bottom line? Don’t delay or avoid physical therapy due to your high deductible. We can work with you no matter your financial situation and someone is always available to talk. If you want to consider private pay, or other options, let’s discuss it! Our friendly, knowledgeable staff can help. Contact our Billing Department at (360) 752-2673 ext 2.