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Insurance & Billing

Fast, easy billing.

Everything about your visit to RET is made as simple as possible by our team—and that includes billing. Your road to recovery can be complicated enough, so we’ve worked hard to make this process easy for you.

How do we do it?

  1. First, we verify your benefits so that we can help you understand your coverage and financial obligations prior to receiving treatment.
  2. Prior to each treatment, we collect the copay and apply it to your account with us.
  3. We will file claims for all visits to your insurance company. It can take the insurance company up to 45 days to process a claim.
  4. Once it has been processed, we review the claim and let you know the status of your account.
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RET works with the majority of insurance carriers, including:

We know that insurance can seem complicated, so if you have any questions about your insurance or about how billing works, we encourage you to contact our helpful billing department at any time at (951) 200-3620 or email us at [email protected].

Don’t let the headaches associated with billing and insurance stand in the way of getting the treatment that you deserve. We also offer cash pay rates for uninsured or out-of-network patients.

We accept a wide variety of insurance and payment plans. Our company is contracted with most major insurance companies, including but not limited to:

  • AARP Medicare Complete
  • Aetna
  • Asuris Northwest
  • Blue Cross Blue Shield
  • Cigna
  • First Choice Health
  • HMA
  • Kaiser Permanente PPO
  • L&I- Labor & Industries
  • Lifewise
  • Medicaid (includes DSHS, Community Health Plan)
  • Medicare
  • Meritain
  • Molina Healthcare (select locations)
  • Personal Injury Protection (PIP)
  • Premera
  • Premera MedAdvantage
  • Regence
  • Regence MedAdvantage
  • Self-Insured Worker’s Compensation (Sedgwick, ESIS, Gallagher Bassett, Corvel, King Co. Workers Comp, Puget Sound Workers Comp, etc.)
  • Tricare
  • Triwest
  • Uniform Medical
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Do you have a High Deductible Health Plan?

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone. Navigating the healthcare system can be stressful – financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later… and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, medication, and surgery.

Let us help you get the care you need without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

Here’s what you need to know:

What is a High Deductible Health Plan?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load. According to the IRS, in 2021, a health plan is considered an HDHP if….

  • The deductible is $1,400 or more, for individuals
  • The deductible is $2,800 or more, for families

So, how can RET PT help me?

At RET, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:

FLEXIBLE SPENDING ACCOUNTS & HEALTH SAVINGS ACCOUNTS

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance. There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different – it’s best to contact your insurance provider for details on eligibility and benefits.

ACCEPTED INSURANCE PLANS

We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.

Another Bonus?

The therapists at RET are specialists, not generalists, which means you get results in fewer visits, saving you time and money.

The Bottom Line:

Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan or payment options, let’s discuss them! Call our helpful billing department at any time at (951) 200-3620.

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