Insurance & Billing

It depends on your insurance plan and the services you are receiving.

When Origin is in network with your insurance plan and you are receiving covered physical therapy services, those services must be billed to your insurance according to our agreement with your plan. You are responsible for any deductible, copay, coinsurance, or other patient responsibility determined by your insurance.

If a service is not a covered physical therapy service, it may be provided as a self-pay service at Origin’s applicable rate.

Origin is currently in network with Sanford Health Plan, excluding Sanford employee health plans.

We are actively working to join additional insurance networks that allow us to provide excellent care while maintaining the level of service and individualized attention that defines Origin.

If we are not currently in network with your plan, you can still receive care at Origin as a self-pay patient, subject to your plan’s rules regarding out-of-network care.

It means Origin does not have a contracted rate with your insurance company.

You may still have out-of-network physical therapy benefits through your plan. If you do, you may be able to receive reimbursement from your insurance company after paying Origin directly.

We can provide a detailed superbill that you can submit to your insurance company. Your insurance company determines whether and how much it will reimburse you based on your specific plan.

A superbill is a detailed receipt containing information about the services you received, including the provider, dates of service, and applicable billing codes.

If your insurance plan provides out-of-network benefits, you can submit the superbill to your insurance company to request reimbursement.

Origin can provide the superbill, but your insurance company determines whether the service is eligible for reimbursement and how much you will receive.

If you are receiving covered physical therapy services from an in-network provider, those services generally must be billed through the insurance plan according to the provider’s contract.

For services that are not covered physical therapy services, as well as appropriate self-pay situations, Origin offers cash-pay options.

If you are unsure which option applies to your situation, we’re happy to help you understand how your care will be billed before you begin.

Insurance is one way to access physical therapy, but it isn’t the only way.

Some patients choose to pay directly for care because they value having access to a specific therapist, a specialized service, or a more targeted approach to their goals. In some situations, out-of-network or self-pay care may allow a patient to pursue services that aren’t covered by their insurance.

Our goal is not to tell you which path to choose. It’s to help you understand your options so you can make the decision that’s right for you.

We can help verify basic insurance information when applicable, but your insurance company ultimately determines your benefits and coverage.

Insurance plans can have different deductibles, copays, coinsurance, visit limitations, authorization requirements, and exclusions. We encourage you to contact your insurance company directly if you have questions about your specific benefits.

If your plan applies physical therapy services to your deductible, you may be responsible for the applicable patient portion of the allowed amount until your deductible is met.

The amount you owe is ultimately determined by your insurance company’s processing of the claim.

If Origin is billing your insurance for a covered physical therapy service, we will submit the claim according to our agreement with your plan.

If your insurance denies a claim or determines that a service is not covered, your responsibility will depend on the reason for the denial, your plan, and the terms of our agreement with your insurance company.

We encourage you to contact your insurance company if you believe a claim was processed incorrectly or you want to appeal a coverage decision.

Yes. Origin accepts HSA and FSA payments for eligible services.

Because individual plans and accounts have different rules, we recommend confirming eligibility with your HSA or FSA provider if you have questions about a specific service.

Performance services are designed for people who want to improve how they move, train, run, or perform rather than receive treatment for a covered medical condition.

Examples may include individualized running programming, performance programming, training support, and other performance-focused services.

These services are offered as self-pay services and are not billed to health insurance as physical therapy.

Programs & Packages are designed to provide ongoing support beyond traditional episodes of physical therapy.

Depending on the program, they may include tune-up visits, individualized running programming, performance coaching, or maintenance support.

Each program will clearly outline what is included and its associated cost.

You can still receive care at Origin.

We offer self-pay options for patients who are uninsured or who choose not to use insurance when permitted. We will provide information about the expected cost of care so you can make an informed decision before beginning treatment.

Absolutely.

We believe you should understand the cost of your care before you begin. If you are paying out of pocket, we can provide an estimate of expected charges.

Ultimately, you are.

We will do our best to make the billing process clear and help you understand what we can, but your insurance policy is a contract between you and your insurance company. Your plan determines your benefits, coverage, deductible, coinsurance, and reimbursement.

When in doubt, call the member-services number on the back of your insurance card.

Please ask.

We want you to understand what you’re being charged for and why. If something doesn’t look right or you don’t understand an insurance explanation of benefits, contact us and we’ll help you work through it.

Our goal is simple: make the care clear, make the costs clear, and let you focus on getting better.