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What's Covered
Cardin and Miller Physical Therapy participates with most major insurance companies; including, but not limited to: AmeriHealth Caritas, American Specialty, Capital Blue Cross, FirstHealth, Geisinger, Health America, Highmark Blue Shield, Intergroup, Humana, Keystone Health Plan, Mailhandlers, Medicare, OrthoNet, PHCS, PrimeSource, TriCare and Railroad Medicare. If your insurance plan is not on this list, please call the office and we will be happy to check your physical therapy benefit for you. Healthcare expenses involve examining bills from the provider and explanation of benefits, which are sent to you by your insurance company. At Cardin and Miller Physical Therapy, we do our best to explain an individual's physical therapy benefit at the time of initial examination. Understanding your Explanation Of Benefits from the insurance company can be difficult. Each EOB can be different, depending on your insurance company. Please understand that payment of your bill is considered part of your treatment. Thank you for understanding that verification of benefits is not a guarantee of payment from your insurance company. Final determination of payment is made only after your claim is received and processed through your insurance company. Cardin and Miller Physical Therapy strives to provide top quality care. If you have any questions regarding your treatment and related charges, please do not hesitate to ask.

The following is a list of terminology you may see on your monthly billing statement or EOB. This information will be helpful when reviewing your bill or EOB.

  • Copay - A copay is a flat dollar amount your insurance company requires you to pay toward every office visit. This is collected at each visit.
  • Co-Insurance - Co-insurance is a percentage of the billed amount from your office visit that your insurance company will report as your responsibility. It is not due at time of visit. It is billed to you after your provider receives the EOB from your insurance company.
  • Deductible - A deductible is the total amount your insurance company requires you to pay toward an office visit before it is eligible for payment from the insurance company.
  • Billed Amount - This represents the cost of services you received and amount the provider has sent to your insurance company.
  • Patient Responsibility - This is the total amount the patient is required to pay out of pocket for the services received. This amount may include the deductible, co-insurance and/or copay.