Insurance Plans Accepted at Spectrum Therapeutics Wayne NJ

Insurance Plans Accepted at Spectrum Therapeutics in Wayne, NJ

One of the most common questions we hear from new patients is: Does Spectrum Therapeutics accept my insurance? The short answer is: we probably do. Here is a complete guide to insurance coverage for physical therapy at our Wayne, NJ clinic.

Insurance Plans We Accept

Spectrum Therapeutics of NJ is in-network with most major insurance providers in New Jersey:

• Medicare — We are a Medicare-participating provider. Learn more about Medicare PT coverage.
• Blue Cross Blue Shield / Horizon BCBS
• Aetna
• Cigna
• UnitedHealthcare
• Oxford
• Horizon
• Workers Compensation — We handle all work injury claims directly.
• Auto/PIP (Personal Injury Protection)

Not sure if we accept your specific plan? Call us at (973) 689-7123 and we will verify your benefits before your first visit at no charge.

What Does Physical Therapy Cost With Insurance?

With insurance, most patients pay only their standard specialist copay per visit, which typically ranges from to depending on your plan. Some plans require a deductible to be met first. We verify all of this for you before your first appointment so there are no surprises.

What If I Do Not Have Insurance?

We offer competitive self-pay rates for patients without insurance. Contact our office to discuss payment options. Physical therapy is an investment in your health that often costs far less than surgery, imaging, or long-term medication use.

Do I Need a Referral From My Doctor?

In most cases, no. New Jersey has a direct access law that allows you to see a physical therapist without a physician referral. There are some exceptions:

• Medicare patients do need a physician referral for coverage
• Some HMO plans may require a referral — we check this for you
• Workers comp cases follow their own referral process

How to Get Started

1. Call (973) 689-7123
2. Tell us your insurance information
3. We verify your benefits and explain your coverage
4. Schedule your first appointment (often same week)

Related Services

• Medicare Physical Therapy
• Workers Compensation Therapy
• New Patient Information