Insurance

Finish Line Physical Therapy is an out-of-network clinic. We do accept insurance and we work with most insurance policies who have out-of-network coverage. Prior to your initial evaluation, we will check your insurance benefits and get back to you with a full description of your coverage, including deductible and co-pay information. If you do not have insurance coverage, we do offer self-pay rates.

Due to the inconsistencies of insurance reimbursement, a prescription is recommended but not required to begin physical therapy treatment. Direct Access is a law in New York state that allows for 10 visits or 30 days to pass after your initial evaluation before needing to obtain a referral. If you don’t have a primary doctor to get this from, our therapists will be able to recommend someone to you.

Because the insurance world can oftentimes be confusing, we’ve tried to simplify everything by answering some of the frequently asked questions. Still have questions? Give our office a call at (212) 486-8573, and we’ll connect you with our Insurance Coordinator.

If you are interested in having our Insurance Coordinator proactively check your out-of-network physical therapy benefits or hearing about our self-pay rates, please leave your information below and we will follow up within 24 hours.

Let's face it. Insurance can be confusing.

Our goal at Finish Line Physical Therapy is to make the process of understanding your insurance benefits as simple and hassle-free as possible. Our insurance team is here to proactively check your insurance details so you know your coverage before you walk in the door. Having a conversation with you in advance is important to us because we understand that each individual’s situation is different. If you want to get a head start on understanding some of the more confusing aspects of the insurance world, here are some of the most common questions people ask.

What is the difference between an “In Network” Provider and an “Out of Network” Provider?

An In Network Provider has a contract with an insurance company in which that clinic is funded BY the insurance company. This means the insurance company has complete control over how it’s run and what treatment is provided. There is no wiggle room for negotiations, and whatever they want you to pay (deductible, copay, etc.), you pay fully to them. The insurance company places restrictions on the clinic based on what it believes is best without having the knowledge of each patient’s needs – but as you can imagine, money is the motivating factor in the end. This, of course, restricts a patient’s recovery at times, especially when it’s not the individualized treatment plan that a patient may need.

An Out of Network clinic, such as Finish Line PT, funds itself. This means we provide individual treatment based on each patient’s needs/wants and not based on what an insurance company believes will bring in the most money. When you choose to go to an Out of Network Provider, your insurance company is responsible for funding you to go there, and they have no say in the kind of treatment being provided. You’re responsible for paying what the Out of Network Provider rates are – not what the insurance company tells you.

Why does Finish Line PT choose to be an Out of Network Provider?

We choose to remain out of network to maintain the highest quality of care for our patients. We provide one-on-one treatments with a physical therapist in which an individualized program is developed WITH you based on what you need for your specific injury, prehab, or recovery. You may come in with the same injury as the person standing next to you, but you'll have 2 completely different treatment plans because you're 2 different people. Out of network providers can offer the type of treatment you need as opposed to what's going to bring in the most money (what IN network providers are required to do). We do what's best for YOU.

I’ve heard terms like “deductible” and “co-insurance” before. What do those refer to?

Deductibles are placed at the beginning of any plan (similar to auto or home insurance) so the insurance company can see a certain amount of medical expenses that you commit to covering yourself before they commit to covering with you any future costs for the rest of the year. Co-insurance tells you what percentage they will cover after that deductible is met. In other words, what percentage you're monetarily responsible for per visit.

Finish Line takes the time to review all of this information with each patient before they come in so there are no surprises. We take the time to make sure you're comfortable with the insurance aspect of your time with us before you begin so once you do start, you can focus on your treatment and we'll take care of the rest. As confusing as the healthcare system already is, we don't want this to be a burden you carry while you're trying to cross whatever finish line you're aiming for. After all, your job of recovering from injury and achieving your goals is hard enough. Why make it even harder by worrying about what your insurance policy may or may not cover? We’ve got your back.

Still have questions? Give our office a call at (212) 486-8573, and we’ll connect you with our Insurance Coordinator.