Frequently Asked Questions
Q: Do I need a prescription/referral?
A: Yes. Illinois state law and most insurance plans require a prescription for physical therapy treatment. A prescription must be signed by a medical doctor, nurse practitioner, doctor of dentistry, or chiropractor. You can bring your prescription with you to your first appointment or your provider can fax it to us directly.
Q: Do you take insurance?
A: Yes. We are an in-network provider with Blue Cross Blue Shield. We also accept out-of-network insurance providers and Medicare. We do not accept Medicaid.
Q: What if I don’t have insurance?
A: If you don’t have insurance or if physical therapy is not covered by your plan, you have the option of paying an out of pocket rate as a private individual. Our out of pocket rates are $110 per 45 minute appointment, and $140 per 60 minute appointment. Initial evaluations are $130 for 45 minutes and $175 for 60 minutes.
Q: What can I do if my plan considers C.A.R.E. to be out-of-network?
A: As a courtesy, we verify insurance benefits for all new patients. If you are insured by an out-of-network plan, we can let you know before your appointment what percentage of your bill you’ll be responsible for paying out of pocket. Typically, out-of-network insurance plans cover between fifty and seventy percent of cost, and patients are responsible for the remaining thirty to fifty percent (not including any deductible your plan may include). If you are not satisfied with your out-of-network coverage, you have the option of paying the out of pocket rate as a private individual.
Q: How do you bill patients who are paying privately?
A: For your convenience, you have the option of leaving a credit card or HSA card on file with us to be charged automatically either at the time of your appointment or at the end of each month. If you choose not to leave a card on file, payment is due at the front desk at the time of each appointment. If you miss a payment because your appointment falls outside front desk hours (7 a.m. - 6 p.m.) or for any other reason, you will receive a bill for that appointment at the end of the month.
Q: How do you bill patients who are using insurance?
A: If your insurance plan includes a copay, your copay is due at the front desk at the time of your appointment. Following your appointment, we will submit a claim to your insurance company. Once we receive their payment for the portion of services your plan covers, we will bill you for the remainder. Like patients who pay privately, you have the option of leaving a card on file to be charged automatically. If you choose not to leave a card on file, payments should be made at the time of your appointment. If you miss a payment because your appointment falls outside front desk hours (7 a.m. - 6 p.m.) or for any other reason, you will receive a bill at the end of the month.
Q: What if I need to stop my automatic payments, or use a different method of payment?
A: If at any point you wish to stop automatic payments or arrange for a different account to be charged, just let the front desk know.
Q: Why are there multiple charges listed for the same date on my bill?
A: Insurance companies bill in increments called “service units.” Each service unit is accompanied by a code that indicates the specific therapeutic procedures you received. If your therapist used multiple different procedures or modalities in your treatment, they will appear separately on your bill. Depending on the length of your appointment, three to five service units may be claimed.
Q: What’s the difference between the bills you send at the end of the month and the bills I receive at the front desk? Have I received a duplicate bill?
A: Bills sent at the end of every month reflect your total unpaid balance as of the date listed on the bill. They may include appointments that occurred outside of front desk hours when no one was available to collect your payment, or payments that were missed for other reasons. All bills are itemized by date of appointment to make it easy for you to keep track of exactly what you’re being charged for.
Q: Why am I receiving a bill for a visit that occurred several weeks ago?
A: If you’re using insurance, we cannot bill you for your portion of the payment until we have received payment from your insurance company. We do our best to file claims promptly, but we have very little control over how long it takes the insurance companies to process payments.
Q: I need itemized billing statements for insurance purposes. Who should I ask?
A: If you need itemized billing statements for insurance purposes, please call our main office at 773-472-2731 and ask for our billing specialist, Breanna. Please keep in mind that therapists must complete their record of your appointment before an itemized statement can be generated, so itemized statements may not be available at the time of your appointment.