Commercial Insurance
At TOP Physical Therapy, we are committed to providing exceptional physical therapy services to our valued clients. To ensure a seamless experience, we are pleased to accept a diverse range of commercial insurance plans. Our partnerships with leading insurance providers allow us to accommodate the unique needs of our clients while offering access to quality care.
We proudly work with major carriers, as well as a variety of regional and specialized insurance providers, including the following:
Please call our office at (586) 883-9720 or (248) 801-9355 to confirm other insurance plans.
Our team is well-versed in navigating the complexities of insurance policies, ensuring you receive the coverage and benefits you deserve. Please call beforehand to verify your health benefits and learn if treatment services will be subject to a charge, deductible, or coinsurance.
At TOP Physical Therapy in Sterling Heights, Southfield and Mt Pleasant, MI, our goal is to make your physical therapy journey as smooth and stress-free as possible. Rest assured that we will work tirelessly to coordinate with your insurance provider so that you can focus on your recovery and well-being.
Request an appointment today for additional information about our service rates and payment options!
Prioritizing Patient Needs:
Cash-Based Physical Therapy at TOP Physical Therapy
Cash-based physical therapy is a model of service in which physical therapists accept direct payment from patients instead of relying on insurance reimbursement.
At TOP Physical Therapy, we have implemented this model for the following reasons:
- Improved Patient-Therapist Relationship: By eliminating the insurance company arbitrarily stopping your rehabilitation or making the process unnecessarily complicated, the therapist and patient can focus on what matters most, your results!
- Control Over Services: It allows physical therapists to determine the type and frequency of treatment based on patient needs rather than what an insurance company is willing to cover. It gives the therapist more freedom to provide the best possible care.
- Simpler Billing: The billing process is greatly simplified without insurance companies in the mix. Therapists can spend less time dealing with paperwork, claims submissions, and follow-ups and more time helping you get the results you deserve!
- Price Transparency: In a cash-based model, patients know upfront the cost of their treatment. This can lead to fewer surprises and better financial planning for patients.
- Lower Overall Costs: Because treatment costs aren’t inflated to meet insurance reimbursement rates, the actual cost of services is often lower in a cash-based model. Research has shown that cash-based physical therapy typically requires fewer visits than traditional insurance-based models, resulting in less cost to the patient.
However, it’s important to remember that this model isn’t without drawbacks. For example, some patients may prefer to utilize their insurance coverage for such services if available, which is why we also provide that service.
As with any healthcare decision, it’s essential for patients to carefully consider their needs, finances, and insurance coverage when deciding between insurance-based and cash-based physical therapy.
Call today to learn more about our payment options!