Hand and Orthopedic Physical Therapy Specialists

Your Physical Therapy Experts… serving our community since 1978

Billing and Insurance Information

Our billing office is located within our Murray clinic building. If you have any questions regarding your account, we would be happy to assist you. Our billing office hours are 8am – 5pm Monday through Friday. The direct billing office number is 801 747-3702.

Know Your Insurance Benefits:

Because you are ultimately responsible for your account regardless of insurance coverage, we highly recommend that you contact your insurance provider directly to learn your benefits. Our office will provide you with an insurance benefit worksheet that will list your physical/occupational therapy benefits as they were quoted to us. Remember, benefits quoted are not a guarantee of payment.

Insurance Terms & Definitions:

Allowable Fee: Maximum amount an insurer will pay for a medical procedure.

Claim: A bill for services rendered sent from your provider to your insurance carrier for reimbursement.

Co-insurance: Some insurance plans require that you pay a percentage of the cost of covered medical services (usually between 20% and 30%). For example, your insurance carrier might pay 80% and you pay 20% of the cost of a doctor’s visit. The amount you pay is the co-insurance.

Co-payment: Some insurance plans require that you pay a flat fee for covered medical services. For example, you might pay a co-payment of $10 or $15 for each doctor’s visit. Co-payments are to be paid in the office at each time of service.

Deductible: The amount you must cover for medical expenses before your insurance policy starts paying. Deductibles are usually made on an annual basis. For example, if your deductible is $250, you must pay that amount out of your own pocket each year before your insurance carrier will start covering the cost.

EOB/EOR: Explanation of benefits/Explanation of reimbursement is the written correspondence you and your provider receive from your insurance carrier, which details the determination on your claims. Our office will bill you directly off the EOB/EOR we receive.

Out-of-pocket maximum: The amount of co-insurance /deductible/ co-pays you must pay before your insurance company will pay 100% of the allowed amount for claims.

Referral: A prescription from your primary care doctor to see a specialist (Physical/occupational therapists are considered specialists) or receive a special test or procedure. HMO’s generally require that you obtain a referral for specialist care and procedures, while some managed plans allow you to self-refer.

Specialists: A doctor who is trained in a specific type of medicine, such as physical/occupational/speech therapy. Some plans require that you receive a referral from your primary care doctor before you can see a specialist.

Other Notes and Tips:

  • We charge 18% interest on any account balance that is 60 days past due.
  • We offer CareCredit. If you are interested, please see a billing representative for more details.
  • In order to meet the financial needs of all of our patients, we do offer payment plans. Payment plans must be approved by our billing department.

Bill pay online:

You can now pay your bill at any time online. Go to online bill pay now.