Insurance

Find Relief Therapy is an out-of-network provider, which means that all clients must pay for services rendered at the time they are provided. We are able to submit claims for insurance reimbursement with AETNA, HBCBS, CIGNA and several other carriers if you have out-of-network benefits available to you.

Once you have met your deductible, you have the option to either pay for the session at time of service and receive reimbursement from your insurance company OR  pay the coinsurance rate, usually 10% - 30% of the session cost, depending on your plan, and then our office will seek the reimbursement from your insurance company. 

Sessions can be paid for using a Flexible Spending Account (FSA) or Health Savings Account (HSA) so that you can save by using pretax dollars for your healthcare services.

Payment is accepted via cash, check, credit card, HSA/FSA, Zelle and Venmo.

When paying out of pocket for services, we can also provide you with a superbill for tax purposes at the end of the calendar year. Please remember to keep a copy of all your submitted receipts and forms for your records. 

Find Relief Therapy can also help you with contacting your insurance provider prior to the beginning of treatment to seek clarification on your out-of-network Occupational Therapy coverage and deductible information. 

These are the important questions to ask your insurance provider to determine what type of coverage you may have.  

1. What is the coinsurance rate for out-of-network Occupational Therapy coverage in an outpatient setting? 

2. Is there an out-of-network individual and/or family deductible? 

3. Has that deductible been met or how much remains? 

4. How many visits are covered per calendar year or per diagnosis? 

5. Is pre-authorization required?