Physiotherapy and rehab with Phoenix may be covered by your health insuranceBy Nigel Chua
In our many years of experience as senior clinical therapists and administrators of our physiotherapy and rehab company, we have learned about how patients who have personal accident insurance plans or other forms of insurance may be able to claim their physiotherapy, hand therapy and other rehab sessions with us.
We believe in compliance and doing things well, along with helping you to achieve pain-free movement and improve sports performance with your health insurance coverage.
To guide you, we often ask patients to check with their insurer, insurance agent or their company human resource (HR) department regarding their individual and corporate insurance/medical coverage on the following.
FIRST, WE NEED TO UNDERSTAND AND KNOW WHAT IS COVERED
This translates to
- quantum - how much coverage you have cost-wise, i.e. $500, $1000, $2000 or more
- duration - how long you are covered for (days/months)
- what coverage you have - physiotherapy, hand therapy, occupational therapy, TCM, chiropractic, etc
per injury, post surgery and/or post hospitalization.
When in doubt, either speak to your insurer/insurance agent or human resource department.
For patients who are using company benefits (be it credit or cash), please check with your human resource (HR) department as to how much coverage you have, and when the financial year restarts or ends.
WHAT IS THE PROCESS TO GET COVERED WITH INSURANCE?
Different companies and insurance providers have different processes.
Usually it's a 2-step process of
- A referral form for physiotherapy, occupational therapy, etc.
- A pay-and-claim approach (meaning you pay first, then claim from your insurer/HR).
For some patients, they have to see a panel GP first to be referred to panel specialists, then get a physiotherapy referral to see us in order to get covered for physiotherapy or hand therapy.
However, some insurance providers or companies do not require referral forms to see us.
In fact, you do not need referral forms for our principal physiotherapists, hand therapists, etc. to treat you. You can just contact us and make an appointment, especially if it's too painful and you don't want to wait.
Truly, it all depends on your insurance or HR/staff benefits claims process.
ARE THERE CASHLESS INSURANCE FACILITIES FOR PHYSIOTHERAPY, HAND THERAPY AND TCM AT PHOENIX REHAB?
Yes, we have a number of cashless insurance facilities for patients - contact us to check.
Phoenix Rehab are always looking to extend our cashless services, so if you know of any companies or insurance providers looking for more panel physiotherapists/hand therapists/TCM, please let us know.
YOU CAN SEE OUR TCM WITHOUT A REFERRAL FORM IF YOU HAD AN INJURY AND ARE COVERED UNDER ACCIDENT PLAN INSURANCE
If you are covered under Accident Plan insurance, you are likely able to see and receive treatment from our TCM physician for any accident-related TCM treatments without having to get a referral form from a doctor.
The reason for this is:
- firstly, TCM physicians are Chinese doctors/physicians in their own right
- our TCM physician is fully regulated under the TCM board.
So far, none of our TCM bills have been rejected by insurance - of course, this is all subject to your accident plan terms and conditions, coverage etc.