Insurance

In-Network Insurances

We accept most PPO insurances, including but not limited to this list:

  • Auto Insurance

  • Blue Cross Blue Shield

  • Health Partners

  • Medica

  • Medicare (Non-Assignment of Benefits)

  • Preferred One

  • Worker’s Comp

IMPORTANT INSURANCE TERMINOLOGY

When you schedule an initial Physical Therapy appointment at Merz/Embody (and you wish to bill your treatments through your insurance), please provide your insurance plan information. Here are explanations of three important insurance terms that represent the portion of the medical bill that you are responsible for.

Deductible

A deductible is usually a fix dollar amount that you have to pay out of your own pocket before the insurance will cover the remaining eligible expenses. Depending on the insurance plan, the deductible can range from $0 all the way up to thousands of dollars. It can also be paid per sickness/injury (per condition) or per certificate period.

Coinsurance

Coinsurance is usually a percentage, and represents the percentage cost that you will need to pay and the insurance plan will pay towards your eligible medical expenses. Some common coinsurance examples include: 80/20, 90/10 and 50/50 – so if you have 80/20 coinsurance on your insurance plan, it means that the insurance company will cover 80% of your medical cost and you are responsible for paying the other 20% yourself. A deductible is commonly use together with coinsurance. In this case you would pay the deductible amount first and after you would have the left over coinsurance amount.

Copay (copayment)

Copays are similar to deductibles, in that it is usually a fixed amount of money you have to pay each time you need to use your insurance plan. Unlike deductibles, copays tend to be smaller dollar amounts and are applied on a per visit basis so that that you would have to pay it each visit. At Merz/Embody, your copay will be collected prior to every session.

Non-Participating Medicare Provider

Because Merz/Embody is a non-participating provider, Medicare will be sending you a check for Medicare’s portion of your physical therapy services here. Most patients endorse the received check and bring it into our clinic for us to deposit. Alternatively, you may deposit the Medicare check into your account and then make immediate payment to Merz Physical Therapy for the same amount. You will also be receiving a bill from Merz Physical Therapy for the amount that Medicare and your secondary insurance does not cover. The amount is approximately $15.00- $25.00 per date of service (which is 15% of the Medicare Allowed Amount). Our statements are mailed out monthly from WebPT, Inc.

DIRECT ACCESS

Merz/Embody Health and Performance accepts patients without a physician referral. In the state of Minnesota, patients are able to be evaluated and treated by licensed physical therapists without a physician referral under the legislation. This means you no longer have to wait to get treated for injuries that would immediately benefit from physical therapy services.

This allows patients to expedite treatment while saving money. Expedited treatment time helps reduce total injury time and allows you return to normal function faster. It saves you from having a costly doctor visit for a prescription prior to a physical therapy visit.

For self-pay patients and some insurances, you do not need a physician referral to come to Merz/Embody for treatment. However, Medicare and some other insurances may require a physician referral in order to cover your PT visits. You may call the customer service number on the back of your insurance card to verify coverage requirements.