Insurance/Payment Options
Do you have insurance questions?
Let’s face it: figuring out insurance information on your own can be a pain, especially if you are attempting to figure out whether or not your physical therapy treatment is covered by your coverage. We accept a variety of health insurance plans at Excel Physical Therapy, and we are here to assist you to navigate the world of claims and benefits. Before you arrive, please give us a call so we can verify your health benefits to see whether treatment services will require a copay, deductible, or coinsurance.
Our staff works with insurance companies every day. It is okay if you don’t know the ins and outs of insurance; we do. All patients, or prospective patients, of Excel Physical Therapy can receive free insurance check ups at any time. Our staff will help you understand the type and amount of coverage included in your health plan before starting treatment.
Do I need a referral for physical therapy?
The need for a referral is a common misconception about physical therapy. In Wisconsin you are allowed direct access to physical therapy without a referral. However, some insurance such as Medicare will require a referral. When in doubt, call your insurance company or Excel Physical Therapy.
Does Excel Physical Therapy accept my insurance?
Do you have any of the insurance policies listed below? We have included the majority of the major plans for which we have in-network coverage; however, this is not an exhaustive list and the best way to determine coverage is to call our office! By using our Tax ID and provider numbers when contacting the insurance, we get the most accurate determination of if we are in plan for your insurance. Please call us at (920) 233-8739 to confirm other insurance plans or answer your questions regarding coverage.
- AARP
- ACCIDENT & LIABILITY
- AETNA
- ANTHEM
- APWU
- AUXIANT
- ARISE
- BANKERS LIFE
- BLUE CROSS /BLUE SHIELD
- CIGNA
- CHAMP VA
- COLONIAL PENN
- HARTFORD
- HEALTH PARTNERS
- HEALTH EOS/MULTIPLAN
- HEALTH PAYMENT SYSTEMS
- HEALTH SCOPE
- HEALTH TRADITIONS
- HUMANA
- HUMANA MILITARY
- MAGELLAN
- MEDICARE
- MEDICO
- MERITAIN
- MUTUAL OF OMAHA
- NETWORK HEALTH
- PRAIRIE STATES
- PHCS
- PHYSICIANS MUTUAL
- QUARTZ
- SECURITY HEALTH
- THE HEALTH PLAN
- THRIVENT
- TRILOGY
- UNITED HEALTHCARE SHARED SERVICES
- UNITED HEALTHCARE
- UMR
- UNITY
- VETERANS COMMUNITY CHOICE
- WEA TRUST
- WORKERS COMPENSATION
- WPS
Disclaimer: While this is a thorough list, health insurance changes frequently and without warning. To find out what physical therapy benefits are available to you, we recommend contacting our office or your health insurance provider.
What if I don’t have insurance coverage or have high deductibles?
Excel Physical Therapy also offers self pay plans for patients who do not have health insurance or who have exhausted their benefits. For additional information about our service rates and payment options, review the options below and contact us as soon as possible! While this is an important consideration, we are committed to helping you get the care you need.
Point of Service Payment and Punch Card Program
At Excel Physical Therapy, our goal is to provide fast access to the treatment you need so you can get back to loving life. This means eliminating the hassle and limitations of insurance pre-approvals and expensive treatments. There are two Self-Pay options at Excel Physical Therapy. We offer Point of Service Payment and Pre-Pay Punch Card Programs.
The point of service payment and pre-pay punch card programs provide opportunities for patients with high deductibles, high copays and coinsurance or limited coverage to receive affordable physical therapy.
Our pre-pay punch card program is a perfect option for patients who are looking for regular access to affordable treatment. One punch card is $444 for four, 45-minute treatment sessions.
Our point of service payment program is a great option for those who are looking for quick access to affordable physical therapy and want to pay for one therapy session at a time. Point of service treatment is $150 for a 45-minute session.
We can create a treatment plan that works with your insurance or financial limitations. We will work together to develop a program that maximizes independent exercise and self-care, while providing the most essential hands-on care. Effective physical therapy treatment can reduce the use of expensive imaging and testing, decrease the use of medications, and reduce the need for costly procedures and surgery. Some individuals exercise their rights under the Affordable Care Act and choose not to utilize insurance coverage due to high deductibles, limited coverage, or disruptions in care due to required insurance authorizations. We ask that you discuss any coverage or financial limitations with our staff at the first session so we can create an appropriate treatment plan with affordable payment options
Pre-pay punch card terms and conditions:
Pre-Pay punch cards will be punched before the treatment session. Punch cards are redeemable for in-office services and have no cash value. Remaining treatment sessions on cards should be retained for future treatment and are non-transferrable to another patient. More than 2 cancellations with less than 24-hour notice will result use of one additional session being punched on the card. The user of the card is responsible for retention of the card. Lost or stolen cards will not be replaced by Excel Physical Therapy.
All documentation and assessment time is included in the total treatment time. This program cannot be combined with any insurance billing options. The user declines insurance coverage for services provided under point of service or pre-pay options. Medicare recipients have additional limitations on the use of this program.
Access affordable physical therapy today
Looking for fast, affordable physical therapy? Contact us today for more information on our private pay physical therapy options or to schedule your free consultation