Insurance and Payment

The carriers we are in network with, and what you can expect to pay at the time of service.

We bill insurance.

Dynamic Physical Therapy is not a cash-based clinic. We are in network with Aetna, Blue Cross Blue Shield, Cigna, Coventry, DMBA, EMI, PEHP, Tricare, TriWest, Wise/Imagine, Galaxy Health Network and Medicare, and we accept auto accident claims and worker's compensation claims. If your insurance plan is not listed above we offer private pay rates and package options. Call us and we will tell you what your visits would cost.

Before or during your first visit our front desk staff will call your insurance company and verify your physical therapy benefits. We do that as a courtesy. A carrier that is not on our list may still provide out of network benefits, which vary by plan and are sometimes worth using, so it is worth asking them directly. Tracking your own visit limits, deductible and out of pocket amounts is ultimately your responsibility, and our front desk is glad to help with anything that comes up along the way.

Private pay rates and package options if your plan is not listed
Auto accident claims and worker's compensation claims accepted
Plan on paying at the time of service

The plans we are in network with.

If your carrier is here, we bill them directly. Two of them come with conditions, and those conditions are written out below rather than hidden in a footnote.

Aetna, some plans only. Call us or Aetna to verify yours.
Blue Cross Blue Shield, all plans except Focal Point, Individual and Family, and Real Value
Cigna
Coventry
DMBA
EMI
PEHP
Tricare
TriWest
Wise/Imagine
Galaxy Health Network
Medicare
Auto accident claims
Worker's compensation claims

Dynamic Physical Therapy is a proud partner of BLISTER+.

We're excited to be accepting BLISTER+, a new injury insurance plan built specifically for active people. BLISTER+ has you covered whether you're skiing, hiking, biking, running, climbing, or doing any of the 20+ activities listed.

It covers you for up to $25,000 per incident with $0 deductible, which means you're protected even when dealing with smaller incidents that don't reach the deductible of your regular insurance. The best part: unlike most typical health insurance, it covers full rounds of PT at Dynamic Physical Therapy.

Up to $25,000 per incident, $0 deductible
20+ covered activities: skiing, hiking, biking, running, climbing and more
Covers full rounds of PT at Dynamic Physical Therapy
Learn More About BLISTER+
BLISTER+ activity-injury insurance

No surprise balance six weeks later.

We Verify Your Benefits

Before or during your first visit, our front desk calls your insurance company and checks your physical therapy benefits. We do this as a courtesy, and it tells us what your share of each visit is likely to be.

You Pay the Estimate at the Visit

We collect that estimated portion at the time of service. It is our best estimate, not the final number, and paying as you go is what keeps a large sum from stacking up while claims process.

The Insurer Sets the Final Cost

Once the claim closes, the insurance company determines the actual cost. If it came in higher than the estimate, we bill you the difference. If it came in lower, we refund the overpayment.

Insurance words, translated.

Six terms decide what you actually pay. Worth knowing before you call your carrier.

Deductible

The amount you pay before insurance starts covering medical expenses. Deductibles do not always apply to physical therapy benefits, which means some plans cover part of the visit right away.

Out of Pocket Maximum

The amount you pay before insurance covers the full cost of any additional medical expenses for that plan year.

Co Pay

A fixed amount you pay every visit until your out of pocket maximum is satisfied.

Co Insurance

A percentage of each visit you are responsible for. For example, insurance covers eighty percent of the visit and the remaining twenty percent is yours.

Visit Limit

Most plans cap how many physical therapy appointments you can have in a plan year. Some cap the dollar amount spent on physical therapy instead of counting visits.

Plan Year

Insurance plans reset once a year, sending your deductible, out of pocket maximum and visit limit back to zero. Most plans renew on January 1st or July 1st.

Not sure what your plan covers?

Send us your details and our front desk will verify your physical therapy benefits before you come in. No referral needed in Utah.

Your first visit is a full evaluation with your Doctor of Physical Therapy, about an hour start to finish. Plan on paying your estimated portion at the time of service.

Prefer to call? (801) 849-0198