At WITCORF Physical Therapy, we are dedicated to delivering exceptional physical therapy services to our clients. To ensure a seamless experience, we accept a wide range of commercial insurance plans. Our partnerships with leading insurance providers allow us to accommodate the unique needs of our clients while maintaining access to quality care. We work with most major carriers and various regional and specialized insurance providers. For specific plan confirmation, please contact our office.

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Understanding Insurance

• The PT Patient’s Guide to Understanding Insurance

  • ​Understanding your insurance coverage can be challenging. Even if your insurance plan covers physical therapy, you might still have out-of-pocket expenses such as deductibles, co-insurance, or copayments.

• What is a Deductible?

  • A deductible is the amount you must pay out-of-pocket before your insurance starts to cover costs. For example, with a $1,000 deductible, you must pay this amount before insurance contributes to covered services.

• What is a Copay?

  • ​A copay is a fixed amount you pay for a covered service at the time of your visit. This amount varies depending on your plan and the service type and often contributes towards your deductible.

• What is Co-Insurance?

  • ​Co-insurance is a percentage of the cost of a covered service that you are responsible for after meeting your deductible. For instance, if your plan has a 20% co-insurance for a $100 service, you would pay $20, and the insurance would cover the remaining $80.

• Medicare Part B Co-Insurance

  • ​Medicare Part B typically requires a 20% co-insurance, usually around $20-$25 per visit. Secondary insurance may cover this co-insurance, but it is best to check with your provider.

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Payment Arrangements

If you are unable to pay the required amounts, we prioritize your health and can arrange a payment plan that suits your budget. Simply speak to our office or billing manager.

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Tips for Choosing an Insurance Plan

When selecting an insurance plan, consider the following questions:

• What is my premium?

• What is my deductible, and what does it apply to?

• What is my copay?

• What is my co-insurance?

• Are there restrictions on the types of providers I can see?

• Do I need a referral to see a specialist?

• How many visits am I allowed each year?

• For Medicare secondary payers: will this plan cover the entire 20% not covered by Medicare?

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Higher-premium plans typically offer better coverage for frequent medical care, while lower-premium plans save on monthly costs but may involve higher out-of-pocket expenses.

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Self-Pay Option

If you prefer not to use insurance, you can opt to pay for services directly. For more details, please contact our offices.