BalancePT: Understanding Insurance Benefits

N E W S L E T T E R

Understanding Your Insurance Benefits

See Inside • Understanding Your Insurance Benefits • Staff Spotlight • I Don’t Understand These Terms… What Do They Mean? • Healthy Recipe • Lobster Tail Fight 2 Finish Cancer 5k Family Fun Walk/Run

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N E W S L E T T E R

Understanding Your Insurance Benefits

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Doyouunderstandyour insurancebenefits?Manypatientsareconfused by what their insurance covers, what their deductible is, and how physical therapy might differ from other services with regards to insurance. This can be frustrating, but we are hoping to make it a bit easier for you. Keep in mind, your insurance is a payment method, and like a credit card or checking account, it benefits you to know how your payment method works. Most insurance cards have a customer service number on them; this is a good place to get questions answered. If you are in need of physical therapy treatments but you are hesitant about the cost/insurance coverage, we would like to put your mind at ease. Follow below to learn about your insurance benefits with physical therapy. Which insurance plans do we accept? There is an extensive list of insurance plans that we accept. However, this list is subject to change, and we recommend verifying your physical therapy benefits with your insurance provider beforehand. Before your treatments begin, we will discuss your benefits with you, in order to clarify any copays, deductibles, or coinsurance for our services – if we’ve lost you at

these words, don’t fret! We will outline them below. Our current list of accepted insurance plans includes:

• Aetna. • Ambetter.

• Humana. • Martin’s Point.

• Blue Cross Blue Shield (EPO, HMO, POS, ACA exchange and PPO plans only). • Cigna. • Coventry.

• Medicare. • Medicaid. • New Hampshire Healthy Families. • PHCS. • Tricare. • Tufts. • Unicare. • United Healthcare. • Wellsense.

• First Health. • Great West. • Harvard Pilgrim. • Harvard Pilgrim Stride. • Healthplans Inc.

If you do not have insurance, or if your insurance doesn’t cover physical therapy services, it doesn’t mean you can’t still receive them! We also offer private pay plans that we can discuss with you at your initial appointment.

Are you letting costs hold you back? Call 603.890.8844 to schedule your appointment today!

WEDGE SALAD WITH BLUE CHEESE & HERB DRESSING Healthy Recipe

I Don’t Understand These Terms… What Do They Mean? Insurance terminology can be confusing. There have been several instanceswhereourpatientsdon’tunderstandtheirbenefitsbecause they simply don’t knowwhat to ask their insurance providers. Below we’ve provided some definitions for some common terms that you can discuss with your insurance provider prior to scheduling an appointment: 1. What is a copay? A copayment, also referred to as a copay, is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service. The amount of each patient’s copay is defined by their insurance company, and may vary depending on what plan you have. To find out what your copay may be for physical therapy services, contact your insurance provider. We will also discuss copays with you before your first appointment. 2. What is a deductible? A deductible is the amount you pay for health care services before your health insurance begins to pay. Much like a copay, your deductible amount is dependent upon your insurance company, as not all insurance providers follow the same guidelines. Your insurance company will be able to tell you exactly howmuch your deductible is. We will also discuss deductibles with you at your first appointment, to outline how much you may have to pay before your insurance provider picks up the cost. How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance. 3. What is coinsurance? Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount the insurance will pay for services. You typically start paying coinsurance after you’ve paid your plan’s deductible. How it works: You’ve paid $1,500 in health care expenses and met your deductible. When you receive services, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70 percent. The 30 percent you pay is your coinsurance. Again, each insurance company will have a different coinsurance policy, so it is important to discuss this with them beforehand to figure out what percentage of costs you will have to pay. We will also discuss this with you at your first appointment to outline how your percentage will play into the costs of our services. Contact Balance Rehabilitation and Health Science, LLC today: Contact us today to schedule an appointment and discuss how your insurance benefits will come into play with your treatments. Don’t hesitate on treatments simply because of insurance uncertainty – we are here to help you every step along the way.

Ingredients Blue Cheese & Herb Dressing • ¾ cup crumbled blue cheese • 2/3 cup plain Greek yogurt • ¼ cup extra-virgin olive oil • 2 tbsp white-wine vinegar • 1 tbsp Dijon mustard • 1 tbsp chopped flat-leaf parsley • 1 tbsp chopped fresh oregano • 1 medium clove garlic • ¼ tsp kosher salt • ¼ tsp ground pepper

Salad • 6 heads lettuce • ½ cup crumbled blue cheese • 3 pieces bacon, cooked & crumbled • 2 scallions, thinly sliced

Instructions Topreparedressing:Place¾cupbluecheese,yogurt,oil,vinegar,mustard, parsley, oregano, garlic, salt and pepper in a blender or food processor. Blend until almost smooth. To prepare salad: Cut each head of lettuce in half lengthwise and place on a large salad plate. Dollop 2 tablespoons of the dressing over each serving and top with more blue cheese, bacon and scallions. Serve with extra dressing on the side, if desired.

Staff Spotlight MICHELLE FECTEAU, PT Michelle Fecteau is a physical therapist and certified in Manual Orthopedics through the Institute of Graduate Heatlh Sciences/Stanley Paris in 1994. Her certification took over 7 years to accomplish with 8 courses and a written, oral and practical exam with expertise in advanced evaluation and manipulation of the extremities, cervical, thoracic and lumbar spine, cranio-facial, SI, myofascial manipulation and spinal stability. At the time she was 1 out of 200 in the country with this manual certification. She graduated with her Bachelor of Science in Physical Therapy from the University of Vermont in 1986. Michelle has been working as a physical therapist for over 30 years and was the Orthopedic Clinical Specialist at Northeast Rehabilitation Hospital, where she instructed physical therapists and studentclinicaldevelopment,consulted inpatient and outpatient therapists on orthopedic treatments, and treated aquatic therapy, orthopedic and neurological patients. She also worked at Parkland Medical center, treating a wide spectrum of patients including joint arthroplasties, shoulder rotator cuff repairs, laminectomies, ACLs and

various orthopedic injuries of the neck, back, SI joint and extremities. Michelle has gained vast experience in different roles within the physical therapy community including inpatient & outpatient, orthopedic private practice, acute care, rehab, nursing home, day rehab, and homecare. She has treated neurological patients with diagnoses of spinal cord injuries, CVAs, Parkinsons, MS, geriatrics with falls, balance issues, COPD, vertigo, vestibular hypofunction and CHF. She has advanced her manual skills to include Trigger Point Dry Needling with Balance Physical Therapy. Michelle’s goal is to help people to heal and encourage them along the way so they can reach their highest potential. During her time off, Michelle loves to spend time with her husband, 2 adult daughters, and stepson, family and friends – often hiking, biking, working out and spending time at the lake.

Are you letting costs hold you back? Call Balance Rehab at 603.890.8844 to schedule your appointment today!

Call Balance Rehab at 603.890.8844 , or visit our website at balance-rehab.com to schedule your appointment today!

The Seventh Annual Lobster Tail Fight 2 Finish Cancer 5K Family Fun Run/ Walk is taking place on Sunday, June 2nd. It begins and ends at the Lobster Tail Restaurant at 4 Cobbetts Pond Rd. in Windham, NH, and is approximately 3.2 miles. Registration will begin at 9:00 a.m. on race day and a shotgun start will take place at 10:00 a.m. Pre-registration is encouraged by visiting www.lightboxreg.com to register online. All proceeds from registration fees will be donated to Windham’s Helping Hands to support local families affected by cancer. The F2FC Run/Walk is hosted by Team Fight 2 Finish Cancer, a group of individuals who have either fought cancer, watched a loved one suffer with cancer or just want to give back. Since 2006 they have raised over $100,000 to support cancer research. For the last three years after watching so many families suffer financially due to their fight against cancer team F2FC teamed up with Windham’s Helping Hands to directly impact local families. For more information please visit email [email protected], or like us on Facebook: Fight 2 Finish Cancer. Want to know more about Windham’s Helping Hands? Go to www.windhamhelpinghands.org or check out their Facebook Page! Balance Rehabilitation and Health Science is a proud sponsor of this race for the last 3 years. We also support Windham Helping Hands throughout the year working at the food pantry and supporting their mitten Christmas drive to help families in need by providing Christmas gifts for children in the community. LOBSTER TAIL FIGHT 2 FINISH CANCER 5K FAMILY FUN WALK/RUN

“My wife and I have needed rehab a few times in the past, and during those times visited 2 or 3 different therapy Co’s in the Windham area. Our experience in each case was not positive. Each lacked attention to detail and the ability to listen and address our individual needs. We both encountered injuries during the past 2 years. Mine for a significant lower back issue and my wife’s for a knee and back injury. We asked around about other rehab organizations and heard good things about Balance Rehab in Windham. We both were fortunately assigned to Michelle Fecteau. In my case, within a matter of a few short weeks, Michelle had my back feeling stronger than it had in many years. To the point of being able to get back to playing golf. I found Michelle’s caring approach was very different than what I had encountered elsewhere. She asked loads of questions to determine what was going on and identifying the best course of action. She felt the doctors may have been misdiagnosing the issue and it turned out she wascorrectandtheyagreed.Similarly, inmywife’scase,Michellewasableto identifyan injury which had also been misdiagnosed. However, with her knowledge and hands-on approach, she provided the necessary therapy. In summary, Balance’s ability to identify the best course of therapeutic action has proven to be thebestmedicinethatbothofushaveeverexperienced.TheenvironmentatBalancehasalways been, friendly, thorough, and effective. The entire staff goes out of their way to assist to create a positive outcome and experience. We highly recommend Balance-Rehab.” Patient Success Spotlight Steve & June C.

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