At All In Physical Therapy we work hard to do our best to treat everyone with and without insurance.  We have contracted with most insurance companies and are continuing to build that network.  When you come in for physical therapy we will check your insurance benefits and strive to let you know what your payments will be for each appointment.*

If you do not have insurance, we have a self pay program.  Please contact the clinic for more information on the self pay program.

Currently these are the insurances we accept:

  • Blue Cross of Idaho (Commercial, Medicare Advantage, and Federal Employee Program)

  • Regence Blue Shield of Idaho (Commercial and Medicare Advantage)

  • Tricare/Health Ne Federal Services

  • Medicaid

  • Medicare

  • UnitedHealth Care (Commercial and Medicare Advantage)

  • AARP from UnitedHealth Care

  • Aetna (Commercial and Medicare Advantage)

  • Ameriben

  • Pacific Source (Commercial and Medicare Advantage)

  • Select Health (Commercial and Medicare Advantage)

  • Cigna/Great West Healthcare

  • Mountain Health Coop

  • Meritain Health

  • DakotaCare Administrative Services

  • EBMS

  • M Sm Administrative Services

  • Moda Health

Medicare Medigap and Supplement:

  • AARP

  • Bankers Life and Casualty

  • Tricare for Life

  • Eqitable

  • Continental Life

  • Mutual of Omaha

  • Farmers

  • Providence

  • State Farm

Networks we accept:

  • First Choice Health Network

  • Idaho Physicians Network

  • Three Rivers Provider Network

  • Saint Alphonsus Health Alliance

  • Saint Luke's Health Partners

  • Optum Health

  • Bright Path

  • Multiplan

Workers Compensation Networks:

  • One Call

  • Office of Workers Compensation Program (OWCP)

  • Medrisk

  • State of Washington Labor & Industries

  • Coventry

  • CorVel

This list is not comprehensive.  We recommend that all patients contact their insurance directly.  If you have questions you cam call the clinic at 208-515-7575 and we can assist you in getting a quote on our benfits and eligibilty.

Auto-Motor Vehicle Accident (MVA)

We will bill our primary insurance if you have Medpay available.  If you do not have Medpay we will work with you to bill your private insurance and the subrogation department.  If the above are not options we will accept a third party liability as a last resort.  A medical lien will be required and we will hold the claims p to a year after being discharged from physical therapy. 


What are typical insurance coverage for physical therapy?

Physical therapy benfits usually follow two senarios. First is a straight copay applied. This is a specific dollar amount you are responsible for paying. The deductible is usually waived for this. Second is coinsurance is applied. This would require you to satisfy or meet your deductible and then it would be payable at a percentage until you reach an out of pocket maximum. Upon reaching this insurance would be paying 100%. Most insurance plans have a hard cap limit they will pay for physical thearpy during your insurance benefit year.

Do I need a physician's referral?

Idaho is a direct access state. This means a physician referral is not required by state law to access physical therapy services for evaluation and treatment. This does not mean your insurance carrier may not require a physician referral. We should always verify specific plan benefits prior to the start of treatment.

What is a deductible?

A specified amount of money that the insured must pay before an insurance company will start to pay a claim. Commonly there are separate individual and family deductibles.

What is a copay?

A fixed or set dollar amount you pay for a covered service or product. Usually the deductible is waived or not required.

What is coinsurance?

Insurance leaves a percentage where the insured pays a share of the claim.

What is out of pocket maximum?

This is the most you have to pay for covered services in a plan year. After satisfyling the out of pocket your insurance pays 100% of the costs. Commonly here are separate individual and family out of pockets.

What is a benefit period?

Insurance plans are effective for a year. Insurance plans can run by a calendar year or a benefit year. A benefit year is 12 consecutive months of coverage. ie) Policy effecive September 1, 2018 to August 31, 2019.

What is In Network vs. Out of Network?

In Network Provders are contracted with your insurance company to accept certain negotiated or discouned rates. Providers are responsilbe for higher quality care and assurance by abiding to all terms of the contract. Your In Network deductibles and Out of Pocket maximum are usually lower utilizing an In Network provider Out of Network providers do not have a contract or agreed o discounted rates and may be responsilbe for 100% of the charges. You tpically will spend more receiveng treatment from an Out of Network provider.

Does my insurance require preauthorization?

Most insurances do not require a preauthorization for physical therapy. It is good to verify with your insurance before beginning treatment.