Billing & Insurance
Thank you for choosing Fortify Wellness and Physical Therapy for your physical therapy and sports rehabilitation needs! Our mission is to help you return to peak performance quickly and safely. We understand that navigating medical costs can be challenging, so we strive to make the billing process as simple and transparent as possible.
Insurance and Payment Options
We accept most major insurance plans, including:
- Anthem
- BlueCross BlueShield
- Cigna/ASH
- Harvard Pilgrim Health Care
- Health New England
- Medicare
- United HealthCare
- Tricare
- Workers’ Comp
We also offer self-pay options and are happy to discuss rates with you.
For further billing inquiries please direct your questions to [email protected] or call 860-245-8914.
Pay Your Balance Online
You can now pay your physical therapy bill online. Once a statement is received from Fortify Wellness & Physical Therapy please click on the Pay Bill button on our home page to be directed to our online payment portal. You can use your credit card or bank card to make a payment.
You will be redirected to our secure, third-party payment system to make your payment.
Outstanding Accounts
Accounts are continuously reviewed. Patient accounts with balances greater than 90 days with no outstanding/open insurance balance are subject to being sent to a third-party collections agency. Courtesy calls/emails will proceed any information sent to collections.
Verification And Submission
When you schedule your first appointment, we’ll collect your insurance details and, as a courtesy, verify your coverage with your insurance company. We’ll go over the details with you before your first visit so you know what to expect.
We also recommend that you contact your insurance provider directly to confirm your physical and/or occupational therapy benefits under your plan.
To make things easier for you, we’ll handle the insurance claim process on your behalf — no extra paperwork required.
- After your treatment, the physical therapist will bill your insurance company, Workers’ Comp, or you using Common Procedure Terminology (CPT) codes.
- These codes are processed and sent to the payer, either electronically or by mail.
- The payer reviews the claim and issues payment based on an agreed fee schedule.
- An Explanation of Benefits (EOB) is sent to both you and the clinic, showing the payment details and any remaining balance.
- If there’s a balance due, you’ll be responsible for covering it.
We aim to keep the process simple and straightforward so you can focus on your recovery.
Insurance Terminology
Premium
A premium is the monthly payment you make to maintain your health insurance coverage. Similar to a gym membership, you need to pay it each month whether you use the insurance or not — otherwise, you risk losing coverage. If you have health insurance through your employer, they may cover some or all of the premium on your behalf.
Copay
A copay is a fixed amount you pay for health care services at the time you receive care. For example, you might have a $25 copay for visits to your primary care doctor, a $10 copay for each monthly prescription, and a $250 copay for an emergency room visit.
Deductible
A deductible is the amount you need to pay out-of-pocket for medical expenses before your health insurance begins covering a larger share of the costs. For example, if your deductible is $1,000, you’ll need to pay that amount before your insurance starts covering more of your expenses. Deductibles typically reset each year.
Coinsurance
Coinsurance is the percentage of a medical bill that you’re responsible for paying after you’ve met your deductible. For example, if your coinsurance is 20%, you’ll pay 20% of the bill, while your health insurance covers the remaining 80%.
Out-Of-Pocket Maximum
The out-of-pocket maximum is the highest amount you’ll have to pay for covered health care services in a year. Once you reach this limit, your insurance will cover 100% of any additional costs for the rest of the year.
For additional questions please email [email protected]
