Decoding Your Health Care


Health care coverage and benefits vary and are often a source of confusion.  Luckily, having a better understanding of commonly used terminology will not only reduce frustration but will also ensure you’re maximizing the experience of your care.

Terms you’re likely to see are deductible, co-payment, co-insurance, and out-of-pocket.  But do you have any idea what it all means? We are here to help you understand.

health-insurance-claim-form-stock-photo*750xx2126-1198-0-0Deductible: A specified amount of money the insured must pay before their insurance company will pay any portion of the claim

    Co-payment: A fixed amount of money paid by the insured, at the time of service, in addition to the portion the insurance company is responsible for contributing

    Co-insurance: Percentage of the total treatment cost the insured is responsible for paying

    Out-Of-Pocket: The most you will have to pay for covered medical expenses in plan year.  Once met, the insurance company will pay 100% of the allowed amount

benefitsWe at Physio Physical Therapy are happy to help you decipher your insurance statement. In addition, here are the three questions to ask when calling to check your benefits:

  • Do I have a copay or co-insurance for Physical Therapy?
  • Do I have a deductible to meet? If so, where do I stand?
  • Are there any maximums or pre-authorizations required?

These three easy questions will give us all the information we need to help you estimate your cost of care. At your Initial Evaluation, your Physical Therapist will determine how many sessions your condition requires to resolve and we’ll give you your Total Cost of Care so you will not end up with an unexpected bill.

High deductibles and financial hardship are items we encounter every single day at Physio Physical Therapy.  We offer therapy and massage package discounts, payment plans, and other unique options to ensure your high-quality care is affordable. Just ask any patient care representative for more information or call (828) 348-1780.

By understanding your insurance benefits you can make more informed decisions regarding your health.

We’re here to help!

(828) 348-1780

Christopher Taylor, PT

Chris Taylor is the Founding Physical Therapist at PHYSIO Physical Therapy and Wellness Asheville. He has been voted Best Physical Therapist in Western North Carolina every year by the Mountain XPress Reader Poll. His experience includes being a patient himself which deepens his understanding of each aspect of the rehab process. He has lived and worked in 11 states which contributes to the treatment style he has developed which breaks the mold. Become a better You today! #KeepAshevilleActive