This is the third of three HOW TO MAKE THE MOST OUT OF THERAPY AT CHILD AND FAMILY DEVELOPMENT posts. This post is about: Insurance and Financial Management

Getting started or managing a change:

• Understand insurance benefits via discussions with us and your funding source.
• Understand all insurance and other health care options that your employer may be offer and compare what is available. Compare plans when possible.      
• Anticipate your out-of-pocket costs for the year. We can help project these figures.
• Determine what tax preferred ways there are to fund out-of-pocket costs.
• Obtain physician prescriptions to support therapy.
• Communicate with C&FD Client Services Team:
• Notify us anytime there is a change in insurance benefit or plan.
• Notify us anytime there is a change in guarantor or policy holder.
• Notify us anytime there is a change in primary doctors or specialists.
• Coordinate insurance benefits for multiple services, as some plans have daily limitations.
• Plan ahead for annual visit maximums.

At each visit:

• Check in with the client services team prior to each visit.
• Checking in notifies the therapist that you have arrived.
• Checking in ensures that you stay current with insurance coverage of services and can apply your co-pay or coinsurance to your visit.
• We use American Medical Association (AMA) diagnosis and treatment codes that all insurance companies and professionals can reference.
  • A therapist selects applicable procedure codes based on what happens during each session. Some sessions may include equipment checks, caregiver training, re-evaluation of progress to goals, or other services such as splinting or taping. Therefore, out-of-pocket costs may vary from one session to another.

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