FAQs

Bills are typically sent 30–45 days after your visit for any deductible or co-insurance amounts. Co-pays are expected at the time of service.

• Contract Year: The period your insurance policy is active. Deductibles and coverage reset each contract year (typically Jan 1).
• Allowed Amount: The maximum your insurance will pay for a service. You only pay your share of this amount.
• Deductible: The amount you pay before insurance starts covering costs. Co-pays or co-insurance may still apply.
• Co-pay: A fixed amount due at each visit, varying by service.
• Co-Insurance: Your percentage of the allowed amount can change per visit.
• Out-of-Pocket Maximum: The most you’ll pay in a year. After reaching this point, insurance covers 100% of covered services.

Communication is key. Talk with our front desk or your therapist if you have concerns. We offer flexible monthly payment plans and financial hardship options to help ensure you get the care you need.

Not necessarily. You are still responsible for any deductible, co-pays, or co-insurance as outlined in your policy.

You may receive multiple statements if visits are processed at different times. Your bill reflects all visits processed during that period, not just what was previously billed.

Coverage can change from year to year. Your deductible may have been met last year, but you may need to pay out-of-pocket if your visits occur early in a new contract year.

Charges vary by the type of treatment. For example, exercise sessions are billed differently than hands-on therapy. Treatment time can also affect the number of units billed (each unit = 15 minutes).

Our front desk contacts your insurance company to check what your policy covers for physical therapy. This is only an estimate, not a guarantee. We recommend confirming coverage with your insurance directly.

M.S.P.T. = Master of Science in Physical Therapy
M.P.T. = Master in Physical Therapy
D.P.T. = Doctor of Physical Therapy
P.T.A. = Physical Therapy Assistant
Tech = Physical Therapy Tech (assists PT & PTAs with patient care)
Cert. MDT = Certified in the McKenzie Method
MBA = Masters in Business Administration

Hands on, one on one work with your therapist.
Improving flexibility of muscles, mobility of joints, and restoring structural symmetry and alignment as a result of injury, instability or muscular imbalance.

Yes. Please bring the following items to your initial evaluation:

1. Your current insurance card(s).
2. Your physician/surgeon referral paperwork.
3. Your driver’s license.
4. Basic health history knowledge and a general idea of your insurance coverage(s). Feel free to contact your insurance company by calling the number on the back of your insurance card(s).
5. If you have a list of current medications, please bring that as well.

As a courtesy, our office staff will verify your insurance benefits. Any coverage information we receive and provide to you as a courtesy is not a guarantee of your benefit coverage.

1. Wear comfortable clothes.
2. Plan on approximately 45 minutes to 1 hour at our clinic.
3. You will complete paperwork for approximately 10 minutes prior to meeting with a therapist.

Life happens. We understand. While we do not have a firm cancellation policy, we prefer that you let us know 24 hours in advance of your scheduled appointment should you need to reschedule your appointment.

Yes! We also schedule you with the same therapist week after week so you can build a relationship as you heal.

Hulst Jepsen Physical Therapy participates with most major insurance providers. Call 616.256.8679 or email receptionist@hjphysicaltherapy.com to see if we accept your insurance.

*Participating providers are subject to change.*

Absolutely! Michigan offers direct access which allows you to attend physical therapy without a physician referral. And even with a physician referral, you retain the right to choose your therapist. Learn more about our insurance partners below to make sure you’re covered.

More on direct access here: https://www.wachlerblog.com/michigan-passes-law-allowing-direct-access-to-physical-therapists/

Healing should be convenient. Instead of waiting weeks or even months, we’ll do our best to get you in our clinic the same week you call us. Often we can even schedule your first visit within 24-48 hours!

We process your insurance information on your first visit to discover deductible requirements and copays. Copays are payable before or after each visit. Our team then sends out bills to your home for what insurance does not cover. You can pay your bills online in our payment portal or by mailing a check to our office.