At Harmeling Physical Therapy, we make every effort to accommodate a wide range of insurance plans. If you don't find your insurance provider or HMO on the lists below, please contact us, as we may recently have added your insurance company.We also have a reasonable self pay rate if we are not contracted with your insurance plan.
We accept private pay and the following insurances:
| Insurance Company | Comments/Requirements For Coverage |
|---|---|
| Blue Cross/Blue Shield | HMO plans require 26 visit referral from PCP. Authorization required once referral visits are used. Some out-of-state plans require prior notification. |
| Medicare | Must not be receiving Home Health Care or Hospice. Requires physician prescription. |
| Tufts (Commercial & Medicare Preferred) | HMO plans require referral from PCP. Authorization required after 8 visits/year. We do not accept Tufts Health Together, Tufts Health Direct, or any other Tufts Public plans. |
| Harvard Pilgrim Healthcare | Requires authorization after evaluation. Requires physician prescription. |
| Mass General Brigham Health Plan | Requires physician prescription. ACO plans are not accepted. |
| Wellpoint, formerly UniCare | Requires physician prescription. Requires authorization after 30 visits per plan year. |
| United Healthcare | Some plans require authorization after evaluation. Some plans require referral from PCP. |
| Aetna/US Healthcare | Requires authorization after 20 visits/year. |
| Connecticut General | PPO, Tufts, or Carelink Plans only (may be limited to 6 visits). |
| Tri-Care | |
| Workers' Compensation | Requires physician prescription. Requires authorization from adjustor or Utilization Review Dept. |
| All Auto Liability Plans | Requires physician prescription |
| Cigna - Carelink Only | Only Cigna plans with the Carelink Logo on the card are accepted. |
| We should also be providers for your commercial insurance |
WE DO NOT ACCEPT:
- Boston Medical Center/BMC
- Celticare
- MassHealth
- Commonwealth Care Alliance/CCA
- Cigna OAP (unless contracted with Carelink)
- Fallon
- Minuteman Health
- Multiplan
- Network Health
- PHCS
- Tufts Health Direct/Together/Public Plans
- And Certain Other Out-of-state Plans
Contact 978-750-8188 if you're not sure if we accept your insurance plan.
Your Right to a "Good Faith Estimate"
You have the right to receive a "Good Faith Estimate" explaining how much your medical care will cost. Under the law, health care providers need to give patients who don't have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate.
For additional information, visit www.cms.gov/nosurprises.
