Patient forms, responsibilities and insurance

Cost of care Q&A

At SSM Health Physical Therapy, we guide you through your first visit and introduce you to the physical rehabilitation process. We also work with you to make the billing process as smooth as possible and ensure your questions are answered.

As a courtesy, our patient service specialists will review your plan benefits received from your insurance company. We work with you on payment options, if needed. 

Additionally, we bill your insurance company on your behalf and work to collect the amount you owe, including: 

  • Deductible, the amount you must pay before your insurance company begins to pay for services
  • Copayment, the fixed amount due at the time of your appointment
  • Co-insurance, a form of cost sharing that requires you to pay a percentage of your medical services after your deductible has been met
  • Cost for any service not covered by your insurance plan

We recommend you contact your insurance company before the first appointment to confirm therapy services. It is important to understand what services are covered and what you are responsible for paying out of pocket.

Our team is here to help answer your billing questions, so you can focus on receiving the therapy you need to get back to life. Below, are answers to frequently asked questions about insurance and payment requirements.

*Estimated coverage information is provided to patients as a courtesy, and is not intended to release them from financial responsibility of their account balance. The estimated coverage amount is based on a negotiated contract and any remaining balance due will be billed to you after additional information is received from your insurance company.

Get answers to your billing questions.