Skip to content

Insurance & Billing

At Groschan & Associates PT, we’ve made billing simple for you.

The road to recovery can be frustrating enough without having to jump through hoops to figure out your billing. That’s why we’ve made billing simple.

Here’s how it works:

  • We will verify your benefits for you so you will have our good faith estimate of how much your insurance covers and what your out of pocket expense will be.
  • When you visit, we may collect your out of pocket expense at the time of service.
  • We take care of submitting a claim to your insurance company. It can take the insurance company around 45 days to process a claim.
  • Once it has been processed, we review the claim and let you know if you have a balance.

Insurance

Groschan & Associates Physical Therapy participates with Medicare.

We are a non participating provider with commercial insurances. We will submit your claim for you and, if you have out of network benefits, your insurance will pay a portion of the cost after the out of network deductible. We will bill you for the balance.

If you are unsure whether or not we can work with your insurance, or if you have questions about your benefits, please call our office at 410-938-8660. We will be happy to verify your coverage so you know what to expect.

Don’t let the stress of billing and insurance stand in between you and a pain-free life. We’re here to help you every step of the way.

Do you have a High Deductible Health Plan?

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone. Navigating the healthcare system can be stressful—financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later…and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, medication, and surgery.

Let us help you get the care you need without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

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. According to the IRS, in 2024, a health plan is considered an HDHP if….

  • The deductible is $1,600 or more, for individuals
  • The deductible is $3,200 or more, for families

SO HOW CAN GROSCHAN & ASSOCIATES PT HELP ME?

At Groschan & Associates PT, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physiotherapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:

FLEXIBLE SPENDING ACCOUNTS & HEALTH SAVINGS ACCOUNTS

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance. There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different—it’s best to contact your insurance provider for details on eligibility and benefits.

The Bottom Line:

Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan, payment options, or the CareCredit process, let’s discuss it! Our expert billing team can help. Please contact our billing department at [email protected] or call .

Schedule Now