Child & Family Development Child & Family Development

February 3, 2017

How to Get the Most Out Of Therapy- Insurance and Financial Management


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.

For the full document, click here.