Insurance & Payment

Helping You Get the Care You Need

First Physical Therapy, LLC participates with most insurance and HMO plans that are available in the area, including Blue Cross Blue Shield, United Healthcare, Aetna, and Medicare. Our facility doesn’t participate with Medicaid. As a service to you, we will verify your benefits prior to your first appointment.

Please be aware that verification of your insurance is not a guarantee of payment, but rather serves to inform you of what your individual health care plan covers. Don’t hesitate to contact us anytime at our Westerly, RI or Mystic, CT locations to determine if we accept your health insurance plan.
First Physical Therapy, LLC does not bill third-party insurances, and we cannot hold another party responsible for the payment of any services that you receive.

Are You Receiving Workers Compensation?

If you are receiving care under an active workers compensation claim, we will submit your bill to your workers compensation carrier. In order to do this we will need the following information:

  • Name of the insurance company handling your claim
  • Adjuster/nurse case manager’s name and contact information
  • Claim number
  • Date of injury
All workers’ compensation cases must receive authorization prior to your first appointment. Without this information, we will not be able to correctly process your claim, and you may be financially responsible for any expenses incurred.
Injured in an Auto Accident?

If you have been injured in an auto accident and have medical pay benefits on your auto insurance, we will gladly submit them until your benefits have been exhausted. If you have an active auto insurance claim, please submit the following information to us:

  • Name of the insurance company handling your claim
  • The adjuster’s name and contact information
  • Claim number
  • Date of injury
  • State in which the accident occurred
All auto accident cases must receive authorization prior to your first appointment. Without the necessary information, we will not be able to properly process your claim, and you may be financially responsible for any expenses incurred.

Our Payment Policy

All copayments, coinsurances, and deductibles are due at the time of service. For your convenience, we accept all major credit cards, including Discover and American Express. We also accept cash and personal checks. You will receive your financial agreement form on your first visit to First Physical Therapy, LLC.

If you have any additional questions, please contact us at our Westerly, RI or Mystic CT offices. A member of our team is always happy to help you.
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