Note: Attention all United Healthcare, Pacificare, Definity Health, and SecureHorizons patients. As of December 1, 2008 we will no longer be contracted providers with these insurance plans. If you are currently receiving treatment and hold a policy with one of these companies, your benefit levels will likely change. Please call our office to discuss your options or if you have any questions regarding this change.
Accepted Insurance Plans:
- Aetna
- CIGNA
- Blue Cross/Blue Shield
- Definity Health - (until 12/1/08)
- First Choice Health Network
- PacifiCare - (until 12/1/08)
- Premera
- Regence
- Uniform
- Auto Insurance Companies
- Labor & Industries
Helpful Insurance Vocabulary:
Provider:
One who delivers health care services within the scope of a professional license.
Member:
A term used to describe a person who is enrolled in an insurance plan; the term is used most frequently in managed care.
Reimbursement:
Refers to the payment by the patient (first-party) or insurer (third-party), to the health care provider, for services rendered.
Policyholder:
Purchaser of an insurance policy. This is usually the employer who purchases policy coverage for its employees.
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.
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.
Gatekeeper:
Refers to the provider designated as one who directs an individual patient’s care. In laymen’s terms, it is the one who refers patients to specialists (e.g. physical therapists) for care.
Benefit Language:
Defines who is eligible to receive care, how much care they can receive, and in what time period the care can be rendered. The language can either be very restrictive or all-inclusive.
Courtesy of APTA