IN-NETWORK PROVIDER
Physical Therapy clinics will negotiate with each insurance company for inclusion into each network. This often occurs when the clinic offers steep discounts to the provider (as well as agreeing to a myriad of stipulations and limitations of service). In exchange, the percent cost-to-client is smaller — after any deductible is met.

OUT-OF-NETWORK PROVIDER
When a clinic does not negotiate with insurers, the insurer deems them out-of-network. The overall percentage cost is higher for the client (usually by 10-40%).

However, out-of-network providers are not bound by any stipulation or limitation of the insurers many of which limit the quality and length of treatment visits. 

PAYMENT
Oswego Physical Therapy clients pay in full for each session at the date and time of service. Various payment methods are accepted, including cash, check and credit card (both in¬-person and online), and/or Venmo.

REIMBURSEMENT
Oswego Physical Therapy provides each client with a Superbill, which is a receipt of service, outlining:

• Treatment for a specific diagnosis
• Detailed treatment charges and descriptors (called CPT codes)
• NPI number
• Date of service
• Information on Oswego Physical Therapy Clinic as a provider

This Superbill can then be submitted to the insurer by clients eligible for reimbursement. Clients are then reimbursed directly by the insurance company for their cost.

Oswego Physical Therapy will also produce all medical documents (evaluation/assessment and treatment notes) available to the client via the secure portal established at the time of booking.

HEALTH SAVINGS AND REIMBURSEMENT ACCOUNTS
Clients may use HSA or HRA accounts—using either their HSA debit card or reimbursement by their employer or insurer.

BE AN INFORMED HEALTHCARE CONSUMER, CONTACT YOUR INSURER
It is the responsibility of the client to verify benefits and determine if and how they are eligible for Physical Therapy benefits. While the State of Oregon is a Direct Access state, some insurers require a physician referral in order to pay for Physical Therapy. Other insurers may require other forms and authorization.

In exchange for longer treatment time and less paperwork, Oswego Physical Therapy has no direct interaction with health insurance companies. We do not verify coverage or cost per client, complete any prior or subsequent authorizations, or obtain reimbursement or payment from the insurer, for the client.

Only Superbill receipts and treatment document will be provided to clients.