Insurance Questions
"When love and skill work together, expect a miracle!"

Mary E. Scholer, OTR/L, Executive Director

1952 Camden Ave, Suite 104, San Jose, CA 95124

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Questions to Ask Your Insurance Company
About Occupational Therapy
 

  1. Does my insurance plan cover Occupational Therapy?
     
  2. Do I have to get a letter from a licensed medical provider (Physician or Physician’s Assistant) to state this is medically necessary?
     
  3. Do I need to send the letter from the medical provider before seeing the Occupational Therapy provider OR can it be submitted with the first bill?
     
  4. Is a diagnostic code required for reimbursement?
     
  5. What is the reimbursement scale for Occupational Therapy?
     
  6. What is the deductible on the plan? $__________ (amount)
     
  7. Is there any deductible left to meet this year?
    $__________ (amount)
     
  8. What is my co-payment per visit? $__________ (amount)
     
  9. Is there a limit on the total amount that can be paid out each year? $__________ (amount)
     
  10. Is an Occupational Therapy Evaluation covered by my insurance? $__________(amount)
     
  11. How many Occupational Therapy sessions will be covered by insurance in total per year?     $__________(amount)
     
  12. Does my coverage extend to the services of a non-network provider?
     
  13. What is the maximum covered cost per Occupational Therapy session?    $__________(amount)
     
  14. What is the Co-payment per Occupational Therapy session?  
    $__________(amount)
     
  15. Must we be referred for Occupational Therapy by a medical doctor or is an OTR sufficient?
     
  16. If we are already in Occupational Therapy with another provider, what is my remaining coverage for Occupational Therapy this year? $__________(amount)
     
  17. Does my insurance cover the following codes:
    • 315.4    coordination disorder
    • 728.9    disorder of muscle ligament/muscle hypotonicity
    • 781.3    motor incoordination
    • 781.92  abnormal posture


Copyright 2004/2005 by The Creative Group, San Jose, CA for Simoneon Pediatric Development Center, San Jose, CA
All rights reserved.  Last updated on: 08/24/05 03:25 PM.