{"id":50155,"date":"2020-10-07T20:02:22","date_gmt":"2020-10-07T20:02:22","guid":{"rendered":"https:\/\/pdrehab.com\/?page_id=50155"},"modified":"2026-07-27T16:18:49","modified_gmt":"2026-07-27T21:18:49","slug":"insurance-information","status":"publish","type":"page","link":"https:\/\/pdrehab.com\/en\/insurance-information\/","title":{"rendered":"Insurance Information"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” disabled_on=”off|off|off” admin_label=”Hero Section” _builder_version=”4.6.0″ custom_margin=”-100px||||false|false”][et_pb_fullwidth_header text_orientation=”center” background_overlay_color=”rgba(0,0,0,0)” title_font_color=”#ffffff” subhead_font_color=”#ffffff” _builder_version=”4.6.0″ title_font=”||||||||” title_text_align=”center” title_text_color=”#000000″ title_font_size=”50px” title_line_height=”1.7em” content_font=”||||||||” subhead_font=”Open Sans||||||||” subhead_text_color=”#ffffff” subhead_font_size=”24px” subhead_line_height=”1.6em” background_color=”rgba(255, 255, 255, 0)” background_image=”https:\/\/pdrehab.com\/wp-content\/uploads\/2026\/07\/headers-4.png” custom_button_one=”on” button_one_text_size=”14px” button_one_text_color=”#ffffff” button_one_bg_color=”#0099e5″ button_one_border_width=”12px” button_one_border_color=”#0099e5″ button_one_border_radius=”0px” button_one_letter_spacing=”2px” button_one_font=”Nunito|700||on|||||” button_one_use_icon=”off” background_layout=”light” min_height=”600px” custom_margin=”||||false|false” custom_padding=”300px||||false|false” title_font_size_tablet=”” title_font_size_phone=”48px” title_font_size_last_edited=”on|phone” subhead_font_size_tablet=”” subhead_font_size_phone=”” subhead_font_size_last_edited=”on|phone” border_color_all=”#e02b20″ button_one_text_color_hover=”#ffffff” button_one_border_color_hover=”#0099e5″ button_one_border_radius_hover=”0px” button_one_letter_spacing_hover=”2px” button_one_bg_color_hover=”#0099e5″ button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”on” button_one_text_color__hover=”#ffffff” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”on” button_one_border_color__hover=”#0099e5″ button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”on” button_one_border_radius__hover=”0px” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”on” button_one_letter_spacing__hover=”2px” button_two_letter_spacing__hover_enabled=”off” button_one_bg_color__hover_enabled=”on” button_one_bg_color__hover=”#0099e5″ button_two_bg_color__hover_enabled=”off”][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Our Story Section” _builder_version=”4.6.0″ custom_padding=”71px||71px||true|false”][et_pb_row admin_label=”Text Area” _builder_version=”3.25″][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.6.0″ text_font=”||||||||” text_text_color=”#000000″ header_font=”||||||||” header_text_color=”#000000″ header_2_font=”||||||||” header_2_text_color=”#000000″ header_2_font_size=”50px” background_layout=”dark” custom_margin=”||5px|” animation_direction=”bottom” header_2_font_size_tablet=”40px” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone”]<\/p>\n

INSURANCE INFORMATION<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ text_font=”|300|||||||” text_text_color=”#000000″ text_line_height=”1.6em” text_orientation=”center” module_alignment=”center” custom_margin=”||-1px|||” custom_padding=”25px||||false|false” animation_direction=”bottom”]<\/p>\n

PDR Physical Therapy & Wellness Center works with Medicare, Blue Cross Blue Shield PPO plans, Workers\u2019 Compensation insurance, and selected Medicare Advantage plans. Coverage and patient responsibility depend on the specific terms of each policy.<\/div>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” background_color=”rgba(0,0,0,0)” custom_padding=”30px||30px||false|false”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.6.0″ _module_preset=”default” custom_margin=”-49px|auto||auto||” custom_padding=”34px||35px|||”][et_pb_column type=”1_3″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_image src=”https:\/\/pdrehab.com\/wp-content\/uploads\/2026\/06\/Untitled-design-19.png” title_text=”Untitled design (19)” align=”center” _builder_version=”4.6.0″ _module_preset=”default” custom_padding=”|30px|||false|false”][\/et_pb_image][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” custom_padding=”|39px||0px|false|false”]<\/p>\n

\n

IN-NETWORK INSURANCE<\/h3>\n

PDR is in network with:<\/p>\n

    \n
  • Blue Cross Blue Shield PPO \u2014 all plans<\/li>\n
  • Workers\u2019 Compensation insurance<\/li>\n
  • Medicare Part B<\/li>\n
  • All Medicare Supplement plans<\/li>\n<\/ul>\n

    Medicare Supplement plans may help cover deductibles, coinsurance,\u00a0and other eligible costs remaining after Medicare Part B processes
    the claim. The amount covered depends on the patient\u2019s individual\u00a0supplement plan.<\/p>\n<\/div>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_image src=”https:\/\/pdrehab.com\/wp-content\/uploads\/2026\/06\/Untitled-design-19.png” title_text=”Untitled design (19)” align=”center” _builder_version=”4.6.0″ _module_preset=”default” custom_padding=”|60px|||false|false”][\/et_pb_image][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” width=”119.3%” custom_margin=”|-50px||-84px|false|false” custom_padding=”|30px||51px|false|false”]<\/p>\n

    \n

    out of network PLANS<\/h3>\n

    PDR may accept Medicare Advantage plans that include out-of-network\u00a0benefits, including plans offered by:<\/p>\n

      \n
    • Blue Cross Blue Shield<\/li>\n
    • Aetna<\/li>\n
    • UnitedHealthcare<\/li>\n
    • Cigna<\/li>\n
    • Humana<\/li>\n
    • Other Medicare Advantage carriers<\/li>\n<\/ul>\n

      Coverage varies by plan. Our office may verify whether the policy\u00a0includes out-of-network physical therapy benefits before treatment\u00a0begins.<\/p>\n<\/div>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_image src=”https:\/\/pdrehab.com\/wp-content\/uploads\/2026\/06\/Untitled-design-19.png” title_text=”Untitled design (19)” align=”center” _builder_version=”4.6.0″ _module_preset=”default”][\/et_pb_image][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” custom_margin=”|||-29px||”]<\/p>\n

      \n

      SELF-PAY OPTIONS<\/h3>\n

      For patients without insurance, or those who choose not to use their insurance when permitted, PDR offers convenient out-of-pocket payment options.<\/p>\n

      Patients may:<\/p>\n

        \n
      • Pay separately for each visit<\/li>\n
      • Purchase the 7+1 Package<\/strong> \u2014 pay for seven visits and receive one additional visit at no charge<\/li>\n<\/ul>\n

        Please get in touch with our office for current self-pay rates and package\u00a0details.<\/p>\n<\/div>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” custom_margin=”||31px|||” custom_padding=”101px|||||”][et_pb_row _builder_version=”4.6.0″ _module_preset=”default” custom_margin=”-31px|auto||auto||”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

        WORKERS\u2019 COMPENSATION PATIENTS<\/h2>\n

        [\/et_pb_text][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” custom_margin=”|||-2px||” custom_padding=”|0px|78px|63px||”]<\/p>\n

        \n

        Before scheduling a physical therapy evaluation for a work-related injury, the patient must:<\/p>\n

          \n
        • See a physician and obtain a referral or prescription for physical therapy<\/li>\n
        • Report the injury and open a Workers\u2019 Compensation claim<\/li>\n
        • Obtain the Workers\u2019 Compensation claim number<\/li>\n
        • Obtain the name and contact information of the insurance adjuster handling the claim<\/li>\n<\/ul>\n

          PDR must receive the claim number and the adjuster\u2019s contact information before the first visit. This allows our office to contact the Workers\u2019 Compensation carrier and confirm that the claim has been accepted and physical therapy services are authorized for coverage.<\/p>\n

          Please do not schedule your initial evaluation until this information is available.<\/strong> A physician\u2019s referral alone does not confirm that Workers\u2019 Compensation insurance will cover treatment.<\/p>\n<\/div>\n

          [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” background_color=”#f4f8fb” custom_margin=”||78px|||” custom_padding=”96px||96px|||”][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”1_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

          KNOW YOUR INSURANCE COVERAGE<\/h2>\n

          [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” custom_padding=”|||61px||” border_width_left=”1px” border_color_left=”#d6d6d6″]<\/p>\n

          \n

          We are committed to helping patients understand their physical therapy benefits. As a courtesy, our office may verify insurance coverage before treatment begins and provide an estimate based on information reported by the insurance company.<\/p>\n

          However, each patient is responsible for understanding the terms of their health insurance policy and how they apply to physical therapy services. Before beginning treatment, we recommend contacting your insurance company to confirm:<\/p>\n

            \n
          • Your physical therapy benefits<\/li>\n
          • Your deductible, copayment, and coinsurance<\/li>\n
          • Any visit limits<\/li>\n
          • Referral or prior authorization requirements<\/li>\n
          • Any other restrictions that may affect coverage<\/li>\n<\/ul>\n

            Any benefit information provided by our office is based on information received from the insurance company. It is not a guarantee of coverage or payment. Final coverage and payment decisions are made solely by the insurance carrier after a claim is processed.<\/p>\n

            Patients are responsible for all deductibles, copayments, coinsurance, and charges not covered by their insurance plan. Not knowing the terms of an insurance policy does not remove the patient\u2019s financial responsibility for services already provided.<\/strong><\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” background_color=”rgba(0,0,0,0)”][et_pb_row _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text admin_label=”Title” _builder_version=”4.6.0″ text_font=”||||||||” text_text_color=”#000000″ header_font=”||||||||” header_text_color=”#000000″ header_2_font=”||||||||” header_2_text_color=”#000000″ header_2_font_size=”50px” background_layout=”dark” custom_margin=”||5px|” animation_direction=”bottom” header_2_font_size_tablet=”40px” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone”]<\/p>\n

            HOW YOUR FINAL BALANCE IS DETERMINED<\/h2>\n

            [\/et_pb_text][et_pb_text _builder_version=”4.6.0″ text_font=”|300|||||||” text_text_color=”#000000″ text_line_height=”1.6em” text_orientation=”center” module_alignment=”center” custom_margin=”||35px|” custom_padding=”20px||20px||false|false” animation_direction=”bottom”]<\/p>\n

            \n

            Your final cost depends on how your insurance company processes each claim. Here is what happens after you receive treatment.<\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”1_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            \n
            STEP 1<\/div>\n

            You Receive Treatment<\/h3>\n

            Our therapist documents the services provided during your visit, and based on that, we submit the claim. Because treatment depends on your needs and how your body responds that day, we cannot know in advance exactly which services the therapist will provide.<\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            \n
            STEP 2<\/div>\n

            Your Insurance Processes the Claim<\/h3>\n

            Your insurance company reviews the services listed on the claim. It then applies your plan\u2019s deductible, copayment, coinsurance, and other coverage rules to calculate how much the plan will cover.\u00a0Ultimately, they determine how much you will owe for that visit.<\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            \n
            STEP 3<\/div>\n

            Your Initial Estimate May Change<\/h3>\n

            Before your insurance processes the claim, any amount provided is only an estimate. Deductible and coinsurance amounts depend on the insurance company\u2019s calculation. Therefore, your final cost may be higher or lower than the original estimate.<\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            \n
            STEP 4<\/div>\n

            Your Final Balance Is Determined<\/h3>\n

            After processing the claim, your insurance company determines the amount assigned to you under your policy and sends the claim details to our billing department. Your final balance reflects the insurance company\u2019s determination.<\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” background_color=”rgba(0,0,0,0)” min_height=”1232.2px” custom_margin=”75px|||||” custom_padding=”56px||80px||false|false”][et_pb_row _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text admin_label=”Title” _builder_version=”4.6.0″ text_font=”||||||||” text_text_color=”#000000″ header_font=”||||||||” header_text_color=”#000000″ header_2_font=”||||||||” header_2_text_color=”#000000″ header_2_font_size=”50px” background_layout=”dark” custom_margin=”||5px|” animation_direction=”bottom” header_2_font_size_tablet=”40px” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone”]<\/p>\n

            UNDERSTANDING INSURANCE TERMINOLOGY<\/h2>\n

            [\/et_pb_text][et_pb_text _builder_version=”4.6.0″ text_font=”|300|||||||” text_text_color=”#000000″ text_line_height=”1.6em” text_orientation=”center” module_alignment=”center” custom_margin=”||35px|” custom_padding=”20px||20px||false|false” animation_direction=”bottom”]<\/p>\n

            \n

            Health insurance terms can be confusing. Understanding the following terms can help you anticipate what you may be responsible for paying for physical therapy.<\/p>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            \n
            \n
            Deductible<\/div>\n
            \n

            A deductible is the amount you must pay for covered healthcare services before your insurance plan begins sharing the cost. For example, if you have a $1,000 deductible and have not met it, you may be responsible for the insurance-approved cost of your physical therapy visits until the deductible is satisfied.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Calendar Year and Plan Year<\/div>\n
            \n

            Insurance benefits do not always follow the same renewal schedule. A calendar-year plan runs from January 1 through December 31. Deductibles, visit limits, and other benefits may reset on January 1.<\/p>\n

            A plan-year or contract-year policy follows renewal dates established by the insurance plan or employer. It may renew at another time during the year. When a new plan year begins, deductibles and visit limits may reset\u2014even if this happens in the middle of your treatment.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Copayment<\/div>\n
            \n

            A copayment, or copay, is a fixed amount you are responsible for paying for each covered visit. For example, your insurance plan may require a $30 copayment for every physical therapy appointment.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Coinsurance<\/div>\n
            \n

            Coinsurance is the percentage of the insurance-approved cost that you are responsible for paying after your deductible has been met. For example, if your plan pays 80% and your coinsurance is 20%, you are responsible for 20% of the allowed amount for each covered service.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Allowed Amount<\/div>\n
            \n

            The allowed amount is the maximum amount your insurance plan recognizes for a covered service. Your deductible, copayment, or coinsurance is generally calculated using this amount rather than the clinic\u2019s original charge.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Explanation of Benefits (EOB)<\/div>\n
            \n

            An Explanation of Benefits is a statement from your insurance company showing how a claim was processed. It may list the services billed, the amount charged, the insurance-approved amount, the amount paid by insurance, and the amount you may owe.<\/p>\n

            An EOB is not a bill.<\/strong> If a balance remains after the claim is processed, you may receive a separate statement from PDR.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Prior Authorization<\/div>\n
            \n

            Prior authorization means that your insurance company must approve certain services or visits before they will be considered for coverage. Receiving authorization does not guarantee that the insurance company will pay the claim.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Visit Limit<\/div>\n
            \n

            Some insurance plans limit the number of physical therapy visits covered during a calendar year or plan year. The limit may apply only to physical therapy or may be shared with occupational therapy, speech therapy, chiropractic care, or other services.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

            \n
            Referral<\/div>\n
            \n

            A referral is an order or recommendation from a physician or another authorized healthcare provider. Although Illinois allows Direct Access to physical therapy, an insurance plan may still require a referral before it will cover treatment.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”1_2″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_image src=”https:\/\/pdrehab.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-24-2026-05_03_12-PM.png” title_text=”ChatGPT Image Jul 24, 2026, 05_03_12 PM” align=”right” _builder_version=”4.6.0″ _module_preset=”default” width=”68%” custom_padding=”|||66px||”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” width=”80%” custom_padding=”99px|||||”]<\/p>\n

            \n

            IF YOUR INSURANCE CHANGES<\/h2>\n
            \n

            Please notify our office before your next appointment if your insurance plan, member ID, employer, or coverage changes during treatment. Bring your current insurance card and provide the updated information before services are rendered.<\/p>\n

            Delays in reporting an insurance change may prevent us from submitting claims correctly or within the insurance company\u2019s filing deadline. Patients may be responsible for charges that cannot be covered because current insurance information was not provided on time.<\/strong><\/p>\n<\/div>\n<\/div>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” custom_padding=”115px|||||”][et_pb_row _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_text _builder_version=”4.6.0″ _module_preset=”default” custom_padding=”||49px|||”]<\/p>\n

            FREQUENTLY ASKED QUESTIONS<\/h2>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.6.0″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.6.0″ _module_preset=”default”][et_pb_toggle title=”What insurance plans does PDR accept?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            PDR is in network with Blue Cross Blue Shield PPO plans, Workers\u2019 Compensation insurance, Medicare Part B, and Medicare Supplement plans. We may also accept Medicare Advantage plans that include out-of-network benefits.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Will PDR verify my insurance benefits before treatment?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            Our office may verify your physical therapy benefits as a courtesy. However, patients should also contact their insurance company to confirm their deductible, copayment, coinsurance, visit limits, and authorization requirements.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Does insurance verification guarantee that my visits will be covered?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            No. Benefit information is based on details provided by the insurance company and is not a guarantee of coverage or payment. The insurance carrier makes the final decision after processing each claim.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Why did I receive a bill after my insurance paid?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            You may still be responsible for a deductible, copayment, coinsurance, non-covered service, or another amount assigned to you by your insurance plan. Your EOB will explain how the claim was processed.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Is an Explanation of Benefits the same as a bill?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            No. An Explanation of Benefits, or EOB, is a statement from your insurance company. It shows how a claim was processed. If you owe a balance, you may receive a separate bill from PDR.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Can my deductible reset during physical therapy treatment?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            Yes. Calendar-year plans typically reset on January 1. Plan-year or contract-year policies may renew at another time, so your deductible and visit limits could reset in the middle of treatment.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Does my insurance require a referral or prior authorization?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            It depends on your plan. Although Illinois permits Direct Access to physical therapy, an insurance company may still require a referral or prior authorization before it will consider treatment for coverage.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”What do I need before scheduling Workers\u2019 Compensation physical therapy?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            You need a physician\u2019s referral or prescription, an open Workers\u2019 Compensation claim, a claim number, and the name and contact information of the insurance adjuster. PDR must receive this information before your first visit.<\/p>\n

            [\/et_pb_toggle][et_pb_toggle title=”Does PDR offer self-pay options?” _builder_version=”4.6.0″ _module_preset=”default”]<\/p>\n

            Yes. Patients may pay for each visit individually or purchase the 7+1 Package, which includes one additional visit at no charge after paying for seven visits. Please contact our office for current rates and package details.<\/p>\n

            [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ _module_preset=”default” background_color=”rgba(0,0,0,0.04)” custom_margin=”109px|||||” custom_padding=”||8px|||”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” module_class=” et_pb_row_fullwidth” _builder_version=”4.6.0″ background_color=”#f8f8f8″ width=”100%” width_tablet=”100%” width_phone=”” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|desktop” custom_margin=”|auto|-14px|auto||” custom_padding=”0|0px|0px|0px” make_fullwidth=”on”][et_pb_column type=”1_2″ _builder_version=”4.6.0″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/pdrehab.com\/wp-content\/uploads\/2025\/06\/1-2.png” title_text=”1″ force_fullwidth=”on” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” admin_label=”Image” _builder_version=”4.6.0″ background_enable_image=”off” max_height=”600px”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.6.0″ custom_padding=”|||” custom_css_main_element=”padding: 50px;” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.6.0″ text_font=”|300|||||||” text_text_color=”#000000″ text_line_height=”1.6em” header_text_color=”#000000″ header_2_text_color=”#000000″ header_2_font_size=”50px” header_2_line_height=”1.2em” header_3_text_color=”#000000″ header_4_text_color=”#000000″ background_layout=”dark” custom_margin=”|18%||7%|false|false” custom_margin_tablet=”|0%||0%|false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” header_2_font_size_tablet=”40px” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|tablet”]<\/p>\n

            QUESTIONS ABOUT YOUR COVERAGE?<\/h2>\n

            If you have questions about the insurance plans accepted at PDR or the information needed before your first visit, please contact our office. We can explain our billing process and help you understand what information to confirm with your insurance company.[\/et_pb_text][et_pb_divider show_divider=”off” _builder_version=”4.6.0″ height=”20px” locked=”off”][\/et_pb_divider][et_pb_button button_url=”\/kontakt-z-nami\/?lang=pl” button_text=”CALL US” button_alignment=”left” _builder_version=”4.6.0″ _module_preset=”default” custom_button=”on” button_text_color=”#000000″ button_border_color=”#000000″ button_border_radius=”30px” button_letter_spacing=”2px” custom_margin=”|||7%|false|false” custom_padding=”|50px||50px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.0″ background_color=”rgba(0,0,0,0)” max_height=”1px” custom_margin=”3px|||||” custom_padding=”0|0px|0px|0px||”][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

            Review insurance information for PDR Physical Therapy, including accepted plans, Medicare Advantage, Workers\u2019 Compensation, self-pay options, and common insurance terms. Learn what to confirm before treatment and how patient costs are determined.<\/p>\n","protected":false},"author":1,"featured_media":66759,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-50155","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nInsurance Information - PDR Physical Therapy and Wellness Center<\/title>\n<meta name=\"description\" content=\"Find insurance information for PD Rehab in Mount Prospect, including accepted plans, patient costs, Medicare, and self-pay options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pdrehab.com\/en\/insurance-information\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Information\" \/>\n<meta property=\"og:description\" content=\"Find insurance information for PD Rehab in Mount Prospect, including accepted plans, patient costs, Medicare, and self-pay options.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pdrehab.com\/en\/insurance-information\/\" \/>\n<meta property=\"og:site_name\" content=\"PDR Physical Therapy and Wellness Center\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PDRPhysicalTherapy\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-27T21:18:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pdrehab.com\/wp-content\/uploads\/2022\/12\/Website-images-8.png\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"588\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pdrehab.com\\\/en\\\/insurance-information\\\/\",\"url\":\"https:\\\/\\\/pdrehab.com\\\/en\\\/insurance-information\\\/\",\"name\":\"Insurance Information - 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