Insurance & Payment Options
We work with most major insurance providers to make quality physical therapy accessible and affordable for our patients.
Making Healthcare Accessible
At Arizona Physical Therapy, we believe everyone deserves access to quality rehabilitation services. As a participating provider with most major insurance networks, we handle the billing process directly with your insurance company. Our experienced billing staff works diligently to maximize your benefits and minimize your out-of-pocket costs.
Verify Coverage
We'll verify your insurance benefits and explain your coverage before treatment begins
Direct Billing
We bill your insurance company directly, minimizing your paperwork and hassle
Clear Communication
We keep you informed about your benefits, co-pays, and any out-of-pocket expenses
Accepted Insurance Providers
We are in-network providers with a comprehensive range of insurance companies. Here are some of the major plans we accept and work with regularly:
Major Medical Plans
- Blue Cross Blue Shield
- Aetna
- United Healthcare
- Cigna
- Humana
Medicare & More
- Medicare
- Medicare Advantage Plans
- TRICARE
- AHCCCS (Medicaid)
Specialty Coverage
- Workers' Compensation
- Auto Insurance (MVA)
- Personal Injury Cases
- PPO Plans
Don't See Your Insurance Listed?
This is not a complete list of all insurance plans we accept. We also work with many local and regional insurance providers. Please call us at (520) 294-0030 to verify your specific coverage and benefits. Our insurance specialists will help determine your co-pay, deductible, and authorization requirements before your first visit.
Understanding Your Benefits
Common Insurance Terms
- Deductible
- The amount you pay before your insurance starts covering services
- Co-payment (Co-pay)
- A fixed amount you pay for each visit or service
- Co-insurance
- Your share of costs after meeting your deductible (usually a percentage)
- Out-of-Pocket Maximum
- The most you'll pay in a year before insurance covers 100%
- Prior Authorization
- Approval from your insurance before receiving certain services
What to Bring to Your First Visit
- Your insurance card (both sides)
- Photo ID (driver's license or state ID)
- Referral or prescription from your doctor (if required)
- Completed patient forms
- List of current medications
- Any relevant medical records or imaging
Payment Options
Self-Pay Options
For patients without insurance or choosing to pay out-of-pocket, we offer:
- • Competitive self-pay rates
- • Package discounts for multiple visits
- • Payment plans available
Accepted Payment Methods
We accept various forms of payment for your convenience:
- • Cash
- • Check
- • All major credit cards
- • Health Savings Accounts (HSA)
- • Flexible Spending Accounts (FSA)
Our Financial Policy
We believe in transparent pricing and clear communication about costs. Our staff will:
- Provide cost estimates before treatment begins
- Explain your insurance benefits in detail
- Work with you to maximize your insurance benefits
- Offer flexible payment arrangements when needed
Questions About Insurance?
Our friendly staff is here to help verify your benefits and answer any questions about coverage or payment options.