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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