Payment Methods Accepted
At Step N’ Stone Physical Therapy, we accept in-network benefits on all insurance plans we participate with (see list below). We accept cash, checks, credit, and we offer affordable payment plans for any co pays, co-insurance or deductibles. Cards accepted are Mastercard, Visa, and Discover cards. Please call us directly at (833) 944-1377.
We are now accepting:
Insurance List
- MEDICARE
- MEDICAID
- ANTHEM BLUE CROSS BLUE SHIELD
- AETNA
- HUMANA CHOICE
- UNITED HEALTHCARE
- CIGNA
- TRICARE
- HIP
- MULTI-PLAN
- WORKMAN’S COMPENSATION
- SAGAMOR NETWORK
- INDIANA HEALTH NETWORK
- MEDRISK
- TECHHEALTH
- HOOSIER ALLIANCE
There are more insurance providers that we are in network with. Call us for inquiry.
Insurance Info
We offer a 20% discount to those paying cash out-of-pocket, those with high deductible insurance plans.
Many insurance plans or Medicare will cover either all or a portion of the treatments. Again, we accept in-network benefits for ALL insurances we participate with.
You are responsible for co-pays, coinsurance and deductibles. Your co-payment, if any, must be paid at each visit throughout the course of our treatment. If a deductible is part of your policy, then you will be billed any part of your treatment that was applied to your deductible. Your coinsurance, if any, is determined by your carrier.
We will call your insurance and find out your benefits. As a courtesy, we will provide you with a written summary of your medical and physical therapy benefits. If you’d like to know this information before starting therapy, we’d be happy to find out your benefits prior to your first treatment.
If you are injured in a car accident or work injury, we will bill your no-fault or workers’ compensation carriers. If you decide to pay for your treatment through your health insurance, after no-fault denies further payment, you are responsible for your deductibles, co-insurance, and/or co-payments.
Service Fees for Out of Pocket Payers
| Services | Fees | Discount rate* | Description |
|---|---|---|---|
| Initial Exam | $150 | $120 | Includes exam, education, self-care, home exercises |
| Re-evaluation | $100 | $80 | Includes progress note, self & home care |
| Soft-tissue mobilization | $40 | $32 | Reduces scar tissue and enhances circulation |
| Joint Mobilization | $40 | $32 | Improves motion and balanced movement |
| Exercise Session 1 | $40 | $32 | Instruction on how to improve strength & flexibility |
| Exercise Session 2 | $20 | $16 | Supervised conditioning & strengthening in our facility |
| Bio mechanical Correction | $40 | $32 | Re-establishes healthy movement to reduce pain |
| Neuromuscular Re-education | $50 | $40 | Re-trains muscles to normal function |
| Electrical Stimulation | $15 | $12 | Stimulates the reduction of pain and spasms. Improves wound healing |
| Cold Laser | $15 | $12 | Stimulates acupressure points in the feet and/or hand |
| Ultrasound | $60 | $48 | Reduce pain and inflammation, and increase tissue healing |
| Paraffin | $15 | $12 | Stimulates circulation and tissue elasticity |
| Heat or Ice | $10 | $8 | Helps to reduce inflammation by effecting blood vessels |
Why Choosing Us Makes Payment Easy
We go beyond simply accepting insurance. As a trusted physical therapist in Indiana, our team focuses on providing transparency and flexibility:
- Streamlined Payment Experience: We simplify billing so you understand exactly what is covered and what is your responsibility.
- Support for Every Situation: Whether using insurance, paying out-of-pocket, or exploring financing options, we work with you to find the most convenient solution.
- Personalized Guidance: Our staff can explain insurance terminology, help estimate costs, and answer any questions before your first session, ensuring your experience with your physical therapist is clear and stress-free.
Flexible Payment Solutions
We offer multiple ways to make care accessible:
- Insurance Coverage: We work with a wide range of insurance providers to maximize benefits.
- Cash and Card Payments: Pay with cash, checks, or major credit cards, including Mastercard, Visa, and Discover.
- Financing Options: CareCredit and flexible payment plans make treatments more manageable.
- Discount Opportunities: Patients paying out-of-pocket or with high-deductible insurance can receive a special 20% discount.
By offering these options, we aim to reduce financial stress and make therapy more accessible to everyone.
How We Help You Understand Costs
Financial clarity is essential for a successful therapy experience. Here’s how we support you:
- Benefit Verification: We check your insurance coverage before your first visit.
- Cost Transparency: You’ll receive a clear breakdown of what your plan covers, including co-pays, coinsurance, and deductible responsibilities.
- Accident and Work Injury Support: If your treatment is related to a car accident or work injury, we assist in billing your no-fault or workers’ compensation insurance.
Our approach ensures that you can focus on healing without surprises.
FAQs About Payment and Insurance
What payment methods do you accept?
Can I receive therapy if I don’t have insurance?
Are work or auto injury treatments covered?
What if I have a high deductible or coinsurance?
Can I get a cost estimate before starting therapy?
How quickly can I start therapy after verifying insurance?
Reach Out to Us!
We would love to hear from you! If you have any questions or concerns that you’d like to ask us, please don’t hesitate to contact us! If you choose to send us a message, our representatives will get back to you as soon as possible.
