Insurance/Payment

Health insurance can be confusing.

We’ve answered the questions we get the most below, but we recognize that as unique individuals, circumstances differ.  We are happy to work with each of our patient’s particular needs and reach an agreement to give you the care you deserve.

Do you offer some assistance with medical billing?

Patients may check their insurance benefits with my medical biller:

Ann M. Swartout
Medical Billing & Consulting Services, Inc.
5623 E. Dunbar Rd.
Monroe, Michigan 48161
(734) 241-3891 -Tel
(734) 241-0014 – Fax

Do I need a prescription for physical therapy?

No! MICHIGAN has “direct access,” which means you can come to RESULTS PT for a diagnosis of any musculoskeletal injury without seeing a medical doctor first.* (Amazing!) If you need care beyond 10 visits (or 30 days, whichever comes first), then you will need a prescription. But we’ll help you find the best plan of action if this should occur.

Do you take health insurance?

No – We accept cash, credit card or personal checks at the time of service.  As you know, health insurance is a contract between you and the insurance company. We are in the treatment business NOT the insurance business so we provide a billing service to process your insurance claims with payment coming from the insurance company directly to you.  Before you make any brash decisions, we’ll explain everything in a moment!

How much is the RESULTS treatment going to set me back? What’s my co-pay going to be?

Remember that we know you are unique as an individual; we also know that your health plan is too. Before your first session at RESULTS PT, we can have the billing company investigate exactly what your individual plan offers. They can then estimate what your insurance will reimburse you for your treatments. Doing this BEFORE your first session will ensure total transparency and to protect us all from unexpected costs.

CO-PAY – *Your insurance company usually refers to this kind of payment as “co-insurance” — your share of the costs of a covered out-of-network service, generally given as a percentage of the amount paid to the provider. For example, they might cover 70% and you’ll have to pay the remaining 30%. But keep in mind, your payment is also affected by whether you’ve met your annual deductible. Which leads us to…

Why is Results PT an out-of-network provider? It’ll be cheaper for me to see someone in my network.

That’s a fantastic question that we are very proud to answer.

Dr. Diven and RESULTS PT believe in quality over quantity because we care very much about the high service standard and unique care that you receive.  We know that it is the Quality of our care that will get you better. As an out-of-network provider, we are choosing to see fewer patients in a day in order to ensure an extremely high level of patient care.

At RESULTS PT, you will work one-on-one with an experienced, highly-skilled, licensed physical therapist who cares about you and what you’re there to accomplish. You will have your therapist’s undivided attention for at least 60 minutes in a private treatment room, focusing on you and only you!

At an in-network clinic, you’ll likely be lined up on a table in an open gym with many other patients while one therapist directs all of you at once. Ultrasound/heat/electric stim/ice may be used as substitutes for individual care and treatment, but those things are just filling your appointment. If you’re only being treated for 5-7 minutes individually, it’s really tough to get better. Your therapist should take the time needed to diagnose the underlying cause of your problem, correct it and make sure you are empowered to address your issue when you are not in treatment. That takes expertise and individual attention. That’s why we are out-of-network.