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Important Information

Billing and Insurance

Pay your ProRehab bill online

Paying your bills has never been this easy. Click the link below to pay your ProRehab bill online.

Everything you need to know about billing.

Sometimes, the most stressful part of physical therapy can be figuring out how billing works. We’re here to provide you all the details up front:

  • We start off by verifying your benefits so that we know how much your copay for physical therapy costs.
  • We collect the copay at your visit and apply it to your account with us.
  • We submit a claim to your insurance company so they are aware of your appointment. It can take the insurance company around 45 days to process your claim.
  • We review the claim once it has been processed, and let you know if there is a balance or a refund coming your way. If you need to pay a remaining balance, you can easily do it online.

Is the cost of PT really worth it?

Decide for yourself—we’re talking through it a bit below, and we've got it broken it down even further for you in this blog post.

ProRehab is in-network with the majority of insurance carriers.

We accept:

  • Blue Cross Blue Shield
  • United
  • Humana
  • Passport
  • Workers’ Compensation
  • Medicare
  • Medicaid
  • Tricare
  • …and more

Insurance can seem complicated. If you have any questions about your insurance or about how billing works, please contact our friendly billings departments at any time at [email protected] or (812) 759-7476.

Haven’t booked your appointment yet? Don’t let the stress of billing get in the way of managing your pain. Contact us today to get started.

Do you have a High Deductible Health Plan?

New Year, new resolutions, and, unfortunately, a new (likely higher) deductible.

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone. Navigating the healthcare system can be stressful – financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later… and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, medication, and surgery.

This year – let us help you get the care you need without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

Here’s what you need to know:


A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load.  According to the IRS, in 2019, a health plan is considered an HDHP if….

  • The deductible is $1350 or more, for individuals
  • The deductible is $2700 or more, for families

Additionally, more than 90% of persons enrolled in an Exchange Plan are in High Deductible Health Plans, in which the average deductibles are even higher: $3572 for an individual and $7474 for a family.


At ProRehab Physical Therapy, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:


This year, ProRehab has partnered with CareCredit to offer flexible payment plans for our patients. CareCredit provides convenient payment options so that you can get the treatment you want and need while paying for it over a period of time, often without incurring interest charges. It’s ideal for co-payments, deductibles, and treatments not covered by insurance. Search for your local clinic here and complete the CareCredit Application to find out what monthly payment options are available for you.


Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance.  There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different – it’s best to contact your insurance provider for details on eligibility and benefits.


We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.


ProRehab’s therapists are specialists, not generalists, which means you get results in fewer visits, saving you time and money. In fact, care at ProRehab costs 47% less than the average physical therapist in Kentucky.


Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan, payment options, or the Care Credit process, let’s discuss it! Our expert billing concierge can help. Contact Nicki Hartlage – [email protected] or 502.454.5544, ext. 102.