Rule 76 Performance is an out-of-network provider with insurance companies. Here’s what that means for you (the patient):
As an out-of-network provider, we do not have a direct contract with your health insurance company. This means that payment is due at the time of service, and you are financially responsible for the full cost of each visit. However, you may still be eligible for reimbursement through your out-of-network benefits.
HERE’S WHAT THAT MEANS FOR YOU:
1. Payment is due at Time of Service
You are responsible for paying our full session fee at each appointment.
We accept [list payment methods: credit card, HSA/FSA, etc.].
2. Insurance Reimbursement (Optional)
After your visit, we can provide you with a Superbill—a detailed invoice you can submit to your insurance company.
If your plan includes out-of-network physical therapy benefits, they may reimburse a portion of the cost based on your deductible and coverage level.
3. Out-of-Network Costs to Consider
Deductible: You may have a separate out-of-network deductible that must be met before reimbursement begins.
Reimbursement Rate: Insurance may only cover a percentage of what they consider the “usual and customary” rate—not necessarily our full fee.
No Direct Billing: We do not submit claims on your behalf. Reimbursement is between you and your insurer.
4. Using HSA or FSA Funds
Physical therapy is typically an eligible expense for Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA), which can be used for payment.
