Creative Rehab's goal with insurance billing is to avoid any unexpected surprises for our patients at the time of billing. Our billing practices are based on the belief that access to quality physical therapy should not be limited by participation in managed care plans which places excessive control for care in the insurance companies' hands. We are able to accept PPO, POS, and Worker's Compensation plans.

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We are in-network with BCBS and Medicare

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We are out-of-network with all other commercial insurance providers however we work with each patient's plan to adjust the patient responsibility and make it closer to in-network guidelines. Call our office and we will provide you with your patient responsibility break down!   (in-network rates are not guaranteed)

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Insurance Policies
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​• Adjusting out-of-network benefits allows us to treat a wider range of patients many of whom have received therapy in an in-network clinic without full resolution of their presenting problem.
•  We actively pre-certify each patient and inform them of their benefits prior to the start of care. Our goal is to avoid any

   unexpected surprises from our billing to the patient.
•  We directly bill the insurance for the patient and work diligently to receive payment at time of service avoiding patient

   invoicing when ever possible.
 

Referrals may be faxed to 847-599-9124 and phoned to 847-599-9171

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Medicare

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As of 2018, Creative Rehab now accepts Medicare insurance. Under Medicare guidelines, patients are responsible for a yearly deductible and a 20% co-insurance may apply. Supplemental insurance will cover patient's co-insurance however if Medicare denies payment your supplemental insurance will deny as well. If you carry a medicare replacement plan such as Aetna Medicare Advantage, United Healthcare Medicare Advantage or any other replacement plan, coverage will be based on an Out-of-Network basis. Due to Medicare guidelines, co-insurance cannot be waived or discounted and a doctor's referral for PT is required for all Medicare policies. 

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