Insurance Plans
We are currently working with several plans (BCBS of AZ, UHC, Cigna, Medicare, AHCCCS, and others*) to become in-network providers!
*Ellsworth PT is not contracted with any of the mentioned health insurance plans. We are working to secure contracts with these and others to provide care to members of those plans.
Talk to your health plan to ask about out of network reimbursement.
We are accepting patients paying out of pocket for out of network reimbursement or cash pay Physical Therapy services.
Check again as we are updating this list with accepted plans.
Cash Pay vs. Insurance
Have you ever wondered about the benefits of cash pay physical therapy?
Cash Pay
Simple, upfront pricing.
No surprise bills weeks later.
No need for a doctor’s referral.
Start therapy immediately without waiting for approvals.
Your care is between you and your PT — not an insurance company.
Treatment can include injury prevention, performance, and wellness - not just what’s billable.
You get faster results and better long-term outcomes.
You invest directly in your health rather than in an insurance company’s rules.
Insurance
Patients often don’t know their true cost until after treatment.
Insurance may deny coverage, leaving you responsible for large bills.
May require a referral, prior authorization, or proof of “medical necessity.”
Delays can mean weeks before starting treatment.
Insurance can decides if you “qualify” for therapy and restricts treatment to only what it considers “medically necessary.”
Visits may be shorter and limited in number
Progress may stall if treatment stops once insurance says you’re “good enough.”
Interested in learning more about cash pay physical therapy?
Contact us below for more info!