Student Living Center<\/strong>) \u2013 Room B-06<\/li>\n<\/ul>\nInsurance Coverage<\/h2>\n
The method of payment will depend on your health insurance coverage. The mandatory health fee paid by full-time students does not cover visits to the physical therapist; however, the\u00a0UR Student Health Insurance Plan does provide coverage.<\/p>\n
\u00a0UR Student Health insurance Plan (Aetna):<\/strong><\/p>\n\n- The UR Student Health insurance Plan (Aetna) covers physical therapy with a $10 co-pay per visit.\u00a0A referral from UHS is not required.<\/li>\n
- The University Health Service will bill the UR Student Health insurance Plan (Aetna) directly for you.<\/li>\n<\/ul>\n
For all patients covered by another insurance plan:<\/strong><\/p>\n\n- Check with your insurance company about coverage before receiving physical therapy services. Your insurance plan may require a referral, restrict the number of visits covered, or exclude physical therapy from coverage. Your plan may require an authorization or referral from your provider at home.<\/li>\n
- Questions to ask your insurance company include:\n
\n- Is physical therapy covered by your plan?<\/li>\n
- Does your plan require prior authorization?<\/li>\n
- Is physical therapy covered “out of area” (i.e., in Rochester)? This question is especially important if you are not from the Rochester area.<\/li>\n
- Is a referral required? If yes, does the referral need to be from your primary care provider at home or can it be from your UHS primary care provider?<\/li>\n<\/ul>\n<\/li>\n
- If your plan does not cover physical therapy, you\u00a0are responsible for paying for the services if you decide to see the UHS physical therapist. If you are a full-time student, the charge will be sent to your tuition billing statement.<\/li>\n
- If UHS cannot bill directly to your insurance company, you will need to pay the bill. A statement showing physical therapy services received at UHS can be given to you to submit to your insurance company for reimbursement. If physical therapy services are covered by your plan, the reimbursement will be paid directly to you.<\/li>\n
- If physical therapy is not covered by your insurance plan or covered partially, you are responsible for payment. If you are a full-time student, the charge will be sent to your tuition billing statement.<\/li>\n<\/ul>\n