For Patient who have out of network benefits covering Occupational Therapy:

  1. It is the responsibility of the patient to call the insurance company and retrieve all pertinent information.
  2. It is the responsibility of the patient to make sure all the necessary steps are taken to process insurance claims.
  3. Payment for therapy is due at the time of each visit. (The Body’s Wisdom accepts cash, check, VISA, MasterCard, and HSA Cards)

Helpful Hints when calling your insurance company:

Find out if you have “out of network” Occupational therapy benefits, if yes then:
  1. Request the necessary claim forms to submit with your super bills, which will serve as your proof of payment.
  2. Find out if you should fax or mail your claim. If you mail it, it is a good idea to keep a photocopy for your records.
  3. Find out if you need a doctor’s prescription/referral.
  4. Find out if you have a deductible; ask if it is per person or per family.
  5. Find out what the percent of coverage for out of network benefits is (i.e. 80%/20%)
*** Remember when the insurance company reimburses you, it will be minus your percent (i.e.:20%) of their reasonable and customary charge and after your deductible has been met. ***