TERMS & CONDITIONS FOR
HEALTH INSURANCE CLAIMS
We are registered with all the major medical insurance companies including BUPA, AXA PPP, Vitality, Simply Health, WPA, CIGNA, Health-on-line, Healix and Aviva (formerly Norwich Union).
We can usually process invoices electronically on your behalf.
If you do not see your particular insurance provider listed, please call us as we can still invoice manually. Please note that due to increasing administrative errors by Vitality, as of April 16th 2021 any Vitality patients will be asked to pay up front for their treatment and can then claim back directly from Vitality themselves using the receipts we can provide. We feel that this will be a more straight forward claim process for you.
Please bring all your policy details with you and be aware of any policy benefits before your appointment.
PAYMENT OF CHARGES FOR THOSE CLAIMING FROM INSURANCE COMPANIES
To be able to invoice the relevant insurance provider for the cost of your treatment you need to provide my membership number (and authorisation code if used) before treatment starts. The Physio Studio requires this information to automatically process claims on your behalf. You will need to pay the self pay rate until this information is provided and will not receive a refund of any self funded payments made before this time from The Physio Studio.
You, the patient are responsible for any payments declined by their insurance company or any other funder.
It is important to note that if you decide to then retrospectively claim funds back from your insurer yourself, some insurance companies do not reimburse our full self pay rate charged at The Physio Studio.
After we send off the invoice for your treatment, we are then notified by your insurer if any excess payment is due on your policy. They will tell us if your allowance has been exhausted or our claim has been rejected for whatever reason. If the payment is not going to be fulfilled by the insurer - any fees due will be invoiced directly to you. This could be all or part of the invoice amount. Will will send you a letter asking for the amount specified by the insurer with reference to the invoice number for the treatment date claimed. Patient's are wholly responsible for covering these shortfalls in full and will be invoiced directly for them.
Please be aware that some insurance providers do not have a fee agreement with The Physio Studio so your policy may not cover the full costs of The Physio Studio rates and any shortfalls in these rates are your responsibility.