Out of Network Insurance simply means that your insurance provider (e.g. Aetna Health Insurance) is not “in network” with our office. Yet, this does not mean that you cannot work with a physical therapist at our office in Grand Rapids, MI or via telehealth. 

In fact, if your insurance is “Out of Network” it actually opens up various options for you. ​

• Your insurance may accept “out of network” submissions via your submission of a superbill that will be provided to you following each session and will contain all of the info your insurance company will need from our office (your insurance company may require a physician's prescription which cannot be provided by our office).  In this case, you may receive an insurance reimbursement or credit toward your deductible. In this case you will also pay your therapist directly their normal contracted rate first. Then each month (or whatever the desired frequency) you will submit proof of payment and service (superbill) to your insurance company and receive whatever benefits your insurance company provides.

• Your insurance company may have “out of network” benefits that involve paying your therapist directly through a “single case agreement.” For details, please call your health insurance company and ask them if they provide “single case agreements” for “outpatient physical therapy.”

To use your "out of network benefits" you will be responsible for payment at the time of service and be provided a superbill with all of the information your insurance provider will need in order to offer you reimbursement based on your specific plan.

To understand more about your health insurance plan, please contact your health insurance company and ask them what they cover in terms of “Outpatient Physical Therapy.”

If your Health Insurance representative has questions, please have them reference the official group name which is “Step Forward Wellness LLC.”