Insurance & Billing Information

Physical therapy is a covered medical benefit under insurance plans for medically necessary treatment. We are preferred providers for most insurance plans throughout Western Montana. You can be confident that we will help you understand your personal responsibility in advance of patient care.

Billing and Insurance Claims

Sapphire Physical Therapy will file and assist in obtaining payment for physical therapy services rendered directly with your insurance company.

Co-payments are collected at the time of service. Please contact us whenever you have any questions about your account. We are here to help.

Kaylee Stanke
Billing Account Supervisor
kaylee@sapphirept.com
Phone (406) 549-5283
Fax (406) 549-5392

General Insurance Coverage

Health care plans vary greatly. To assure the highest level of benefit, we encourage patients to be aware of their plan’s coverage. (Your benefits are an agreement between you and your insurance company. Any benefits given by Sapphire Physical Therapy staff, is not a guarantee of payment or actual benefits.) As a courtesy we will call your insurance company and obtain an outline of your benefits, which we will share with you. Some common healthcare plan items are:

  • Co-pay required by patient at the time of service

  • Deductibles, often waived for participating/preferred providers. We participate with many plans. If your deductible is not waived, we have cash payment options to help you save some out of pocket costs and to help meet your deductible also.

  • Therapy visit limit or maximum dollar amount per coverage year

If you would like to verify your benefits prior to your initial visit, it’s simple:

  • Contact your insurance company via phone

  • Provide: Plan & Group Number

  • Ask if you need a Doctor Referral for physical therapy to be covered under your plan:

    • Yes – if your plan requires a doctor referral then we will need to obtain a referral from your physician. We can often do this for you or you can call your physician and request a referral to Sapphire Physical Therapy.

    • No – call Sapphire Physical Therapy and schedule an appointment directly.

We are Preferred Providers.

Clinic participation varies by insurance contract. Sapphire Physical Therapy participates with many insurance plans. Please contact our clinic directly if you have any questions.