Physical Therapy Insurance Benefits

Excel Physical Therapists of Bozeman & Manhattan are CareCredit Providers

By Tiffany Coletta
tiffany@excelptmt.com

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Excel Physical Therapy of Bozeman and Manhattan, Montana are CareCredit providers. CareCredit is a personal healthcare credit card which acts like a revolving line of credit for out-of-pocket healthcare expenses. Our office offers the option of no interest for 6 months. Our patients and their families can use their CareCredit account to pay for deductible, and or co-payments over a $200 minimum balance. 

Apply for a CareCredit account online at www.carecredit.com or via 800-677-0718. Patient Responsibility charges from our office are paid at the end of each visit until our office team can verify active CareCredit account status.

Please inquire with our front office team if you have additional questions at 406-556-0562 for Bozeman or 406-284-4262 for Manhattan or via info (at) excelptmt (dot com).  Thank you for choosing Excel Physical Therapy for your physical therapy needs. We truly appreciate our patients and hope you will consider us in the future and refer us to your friends and family.

What Does Direct Access to Physical Therapy Mean?

By Tiffany Coletta
tiffany@excelptmt.com

Unlike some states where patients require a referral from a physician to be treated by a physical therapist, here in Montana you are entitled to “direct access” which means you are able visit your physical therapist directly whenever you are in pain, no prescription required.  The vast majority of major insurance companies will cover physical therapy the same way, whether or not you have seen a doctor first.  The rest of the country is beginning to follow our lead and the transition to direct access is occurring state by state as both insurance companies and health care providers realize the improved quality of care and reduced costs afforded by its implementation.   

The greatest direct access benefit for patients is the ability to get better faster.  Numerous back pain research articles consistently point to one variable as being the most important in the overall success of a patient’s physical therapy treatment:  How soon the physical therapist was able to begin initiating treatment after the injury.  If the therapist was able to start working with the patient within two weeks of the injury, results were significantly better than those patients who allowed more time to elapse before treatment.   

In an increasingly complex health care system, it is great to know that, here in Montana since 1987, we as physical therapists are able to maximize treatment results for our patients by addressing the problem immediately.

However, we as providers are still at the mercy of an insurance companies own rules despite our Montana state law. Therefore, please always check with your insurance company and their specific physical therapy outpatient benefit rules to ensure maximum reimbursement and coverage for your treatment. Our Patient Service Coordinators are happy to help you through this insurance coordination. Just call either of our offices in Bozeman or Manhattan.

"I choose Excel Physical Therapy because they are passionate about getting me back on track to do the activities that I love." --A.S., Bozeman Patient

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