About Us

Payment Policies

1. Philosophy and Ethics

At Excellent Physical Therapy we believe that each patient is an individual with their own set of “needs and concerns”.   We treat each patient as an individual by providing a unique “one to one” “hands on” treatment plan. Excellent Physical Therapy does not subscribe to the typical insurance company model of managed care physical therapy.  We have found it impossible to deliver our best “one to one” treatment within the framework of managed care insurance networks. Managed care impedes all aspects of quality care and attempts to dictate how your physical therapy treatment should be provided and rendered, regardless of what your surgeon, doctor, or PT determines is medically necessary. We are committed to delivering Excellent Physical Therapy.

2. Your needs and concerns

At Excellent Physical Therapy, we understand the financial dilemma that concerns many of our patients, especially in this economic era of high deductibles and limited insurance reimbursements. If you have had an injury, illness, or recent surgery, then your top priority should be receiving the best treatment possible. Your treatment should be consistent and continued without any interruption toward achieving your greatest potential. At EPT our goal is to give patients as many financial options as possible to remove the stress of payment so that you can focus on your rehab and recovery.Outlined below you will find options available to make treatment more affordable in order to avoid interruption of service due to payment.
As a courtesy to our patients, EPT will bill most major insurance companies. EPT also accepts payment from Medicare, NJ No Fault Auto Insurance, and Workers Compensation, as well as, direct patient payment.
*** Please review the detailed explanation of our payment policies below and call our office directly to ask what specific coverage might be available for your insurance policy and benefits.***

3. Medical/Health Insurance

At EPT we accept out of network benefits on most major insurance plans. Most plans still offer “out-of-network” (OON) benefits that are subject to deductibles and co-insurance.  We will call your insurance company directly to determine coverage and any procedures that need to be followed and let you know your “out of pocket” expenses before treatment is started.  As a courtesy to our out-of-network patients, Excellent Physical Therapy will bill most major insurance companies directly and make every attempt at mutually agreeable billing and payment arrangements that will facilitate a complete, stress free, and successful treatment program.  Please see our financial payment options noted below.

4. Financial Payment Plans:

  1. Excellent Physical Therapy accepts all major credit cards and debit cards for payment toward deductibles, co-insurances, co-pays, and account balances. Including American Express, Visa, MasterCard, and Discover.
  2. Excellent Physical Therapy Care- Patient Finance Program
    EPT-Care:
    Excellent Physical Therapy can set up individualized payment plans for regular weekly or monthly payments. Our in-house payment plan is called EPT-Care. We can set up 3, 6, 8, or 12 month equal installment payment plans to help with annual deductibles, co-pays, co-insurances, or account balances.  Please see below:
    • EPT-Care 3:   3 equal monthly installments
    • EPT-Care 6:   6 equal monthly installments
    • EPT-Care 8:   8 equal monthly installments
    • EPT-Care 12:  12 equal monthly installments
    • EPT-Care Flex: weekly installments
      The Patient Finance Program can be individualized and set up for equal payment installments of $50, $100, $200, or higher. The plan should depend upon what is comfortable for your budget and mutually agreeable.

~Please ask any of our front desk staff for details~

5. Medicare Patients

Medicare is the primary payer for our senior patients. Excellent Physical Therapy is a Certified Medicare Provider and as such, we must follow all Medicare guidelines regarding referrals and treatment. Medicare patients must have a prescription from their doctor to begin physical therapy treatment. A new prescription is needed only at the end of the prescribed number of treatments or 90 days whichever comes first, unless your doctor puts a time limit on his prescription.

Medicare allows for an annual limit of $1,960 per year for physical therapy, which equals approximately 12-16 visits per year for the average patient. Medicare now has an exception process that allows patients to receive additional physical therapy if they have functional limits, certain diagnoses, multiple diagnoses, or complicating factors affecting their medical status that might slow down their recovery. This is called the Medicare Exception Process for physical therapy.  Below is a list of some diagnoses and codes that are common to many of our patients and are often considered by Medicare to be exceptions to the annual dollar limit:

The following diagnoses qualify for the Medicare Exception Process:

R2689 Abnormality of Gait
M1610 Osteoarthritis of Hip
Z96649 Total Hip Replacement
S72009A  Hip Fracture

R262 Difficulty Walking
M1710 Osteoarthritis of Knee
Z96659 Total Knee Replacement
M810 Osteoporosis

Most other diagnoses will be subject to the Medicare annual limit of $1,960 as stated above, unless the patient has multiple conditions creating functional limitations. An example of this would be the combination of Heart Disease, Respiratory Diseases, and Peripheral Neuropathy causing debilitation, difficulty walking, a decrease in functional activity level, and loss of independence. Medicare establishes a second cap on the Medicare Exception Process of $3,700 per year. This new cap (annual limit) of $3,700 went into effect on October 1st 2012 and requires significant levels of debilitation to go beyond.  As always, Excellent Physical Therapy will provide our patients with the best "one to one" care available to meet their goals and improve their quality of life.

~Please ask any of our front desk staff for details~

6.  Motor Vehicle Accidents

Patients that have sustained an injury related to an auto accident may be eligible for insurance payments of their medical bills. However, the policy deductible and co-insurance responsibility may differ from plan to plan. It is the patient's responsibility to check their policy and inform the office staff of your insurance coverage. We will call to get pre-authorization from your insurance company when needed. Excellent Physical Therapy will make every attempt to collect payments owed directly by the auto insurance company. However, the patient may still be responsible for the deductible and co-insurance.

~Please ask any of our front desk staff for details~

7.  Workers Compensation

We accept New Jersey workers compensation cases and will assist the patient's physician office, employer, and patient in attaining proper pre-authorization for physical therapy. Once treatment is authorized by the workers compensation insurance provider we will begin evaluation and treatment. Excellent Physical Therapy will bill directly to the responsible third party insurance.

~Please ask any of our front desk staff for details~

8. Self Pay

Patients that do not have insurance coverage that wish to receive treatment at Excellent Physical Therapy are considered "self pay" patients. The EPT office staff is always available to discuss payment arrangements and discuss possible payment options that are available to you.  Please see our Financial Payment Plans and options noted above.

9. Credit Card and Payment Plans

For your convenience we accept American Express, MasterCard, Visa, and Discover credit and debit cards to assist in deductibles, co-pays, co-insurance and account balance payment plans. Please see a detailed explanation of our Payment Policies above.

To speak to our front desk staff, please call:

908-234-9668
95 Somerville Road
Bedminster, NJ 07921
908-234-2488
2460 Lamington Road
Bedminster, NJ 07921
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