We gladly accept the insurance plans listed below. If your plan is not listed, please call us at (760) 452-2640 as we are always adding new insurance plans.

As a courtesy to our patients, we will verify your health benefits prior to your arrival to determine if there will be a copay, deductible, or coinsurance for therapy services.

For those patients who do not have health insurance or those who have maxed out their benefits, we offer a private pay plan. Please contact G3 Physical Therapy & Wellness Center today for more information on our fees for service and payment details.

We accept most Preferred Provider Organization (PPO) and some Health Maintenance Organization (HMO) payers.

INSURANCE PAYERS*:

  • American Specialty Health
  • Blue Cross (Anthem)
  • Blue Shield
  • Cigna
  • HealthNet – HMO and PPO
  • Medicare
  • Medi-Share
  • Scripps Health (HMO through Scripps)
  • Tricare
  • United Healthcare

We have included most of the major plans with which we are in-network. However, this is not an all-inclusive list. Please call the office to verify other insurance plans.

*Disclaimer: While this is an extensive list, health plans do change regularly without prior notification. We recommend that you verify with your health plan what physical therapy benefits you have available.

Insurance Terminology:

Deductible

A deductible is usually a fixed dollar amount that you have to pay out of your own pocket before the insurance will cover the remaining eligible expenses. Depending on the insurance plan, the deductible can range from $0 all the way up to thousands of dollars. It can also be paid per sickness/injury (per condition) or per certificate period.

Co-Pay (copayment)

Copays are a fixed amount of money you pay each time you come to physical therapy. Unlike deductibles, copays tend to be smaller dollar amounts and are applied on a per visit basis so that you will have to pay at each visit. At G3, your co-pay will be collected prior to every session.

Co-Insurance

Coinsurance is a percentage, and represents the percentage cost that you will need to pay and the insurance plan will pay towards your eligible medical expenses. Some common coinsurance examples include: 80/20, 90/10 and 50/50 – so if you have 80/20 coinsurance on your insurance plan, it means that the insurance company will cover 80% of your medical cost and you are responsible for paying the other 20% yourself. A deductible is commonly used together with coinsurance.

Out-of-Pocket Maximum

OOPM stands for Out-of-Pocket Maximum. It is the most you will have to pay for covered healthcare services during a plan year, after which your insurance plan pays 100% of covered costs.