At Levan Physical Therapy, PLLC, we believe that healing should start without hurdles. That’s why we accept a comprehensive range of insurance plans—including Medicare, Medicaid, workers’ compensation, and many major private insurers—and offer direct billing, giving you one less thing to worry about so you can concentrate fully on your recovery.
Understanding insurance jargon can be overwhelming. Here’s a quick guide to some key terms—learn them once, then let our team handle the rest.
| Term | Definition |
|---|---|
| Co-insurance | In indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of charges. |
| Co-payment | In managed care, the monetary amount to be paid by the patient, usually expressed in terms of dollars. |
| Consumer Driven Health Care (CDHC) | Refers to health plans in which employees have personal health accounts such as a health savings account, medical savings accounts, or flexible spending arrangement from which they pay medical expenses directly. |
| Deductible | The portion of medical costs to be paid by the patient before insurance benefits begin, usually expressed in dollars. |
| Denial | Refusal by insurer to reimburse services that have been rendered; can be for various reasons. |
| Eligibility | The process of determining whether a patient qualifies for benefits, based on factors such as enrollment date, pre-existing conditions, valid referrals, etc. |
| Exclusions | Services that are not covered by a plan. |
| Flexible Spending Arrangements (FSAs) | An account that allows employees to use pre-tax dollars to pay for qualified medical expenses during the year. FSAs are usually funded through voluntary salary reduction agreements with an employer. |
| Gatekeeper | In managed care, it refers to the provider designated as one who directs an individual patient’s care. In practical terms, it is the one who refers patients to specialists and/or sub-specialists for care. |
| Health Maintenance Organization (HMO) | A form of managed care in which you receive your care from participating providers. |
| Health Savings Account (HSA) | A savings product that serves as an alternative to traditional health insurance. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. |
| Managed Care | A method of providing health care, in which the insurer and/or employer (policyholder) maintain some level of control over costs and utilization by various means. Typically refers to HMOs and PPOs. |
| Member | A term used to describe a person who is enrolled in an insurance plan; the term is used most frequently in managed care. |
| Open Enrollment | A set time of year when you can enroll in health insurance or change from one plan to another without benefit of a qualifying event. |
| Out-of-pocket | Money the patient pays toward the cost of health care services. |
| Payer | The party who actually makes payment for services under the insurance coverage policy. In most cases, the payer is the same as the insurer, but in self-insured employers, the payer may be a separate entity under contract to administer the policy. |
| Policyholder | Purchaser of an insurance policy; in group health insurance, this is usually the employer who purchases policy coverage for its employees. |
| Preferred Provider Organization (PPO) | A form of managed care in which the member has more flexibility in choosing physicians and other providers. The member can see both participating and non-participating providers. There is a greater out-of-pocket expense if the member sees non-participating providers. |
| Premium | The cost of an insurance plan shared by employer and employee. |
| Provider | One who delivers health care services within the scope of a professional license. |
| Reimbursement | Refers to the payment by the patient (first-party) or insurer (third-party) to the health care provider, for services rendered. |
Share your insurance details during appointment booking.
We’ll verify your benefits and explain any applicable co-pays or deductibles.
Direct billing means we handle claims so you focus on your health.
If additional approvals (like pre-certifications) are needed, we assist you each step of the way.
Our team is here to help. Whether it’s clarification on coverage, assistance in filing claims, or exploring self-pay and cash options, we’ve got your back.
Call: +17344621703
Email: arungulati@levanpt.com
Visit: Levan Physical therapy 15132 Levan Road Livonia, MI 48154
Your time matters—and so does your care. Download your forms today and take the first simple step toward healing with Levan Physical Therapy.
Levan Physical therapy 15132 Levan Road Livonia, MI 48154
