Insurance Plans Accepted at Spectrum Therapeutics Wayne NJ
Dr. Rob Letizia PT, DPTShare
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:
- Blue Cross Blue Shield family — Horizon BCBS of NJ (including Direct Access and OMNIA), Anthem BCBS, Empire BCBS (including the Empire Plan for NY and NJ public employees), CareFirst BCBS, and out-of-state BlueCard PPO plans
- Aetna — including Meritain Health (POS II included), the Aetna subsidiary that administers many self-funded employer plans
- Cigna — commercial PPO, HMO and Open Access Plus
- UnitedHealthcare and Oxford Health Plans
- Oscar Health — individual and group plans
- Humana, Qualcare and CareConnect
- Medicare — Original Medicare Part B, Medigap supplements including the AARP-branded plans, and Medicare Advantage from AARP, Clover Health and Braven Health. Learn more about Medicare PT coverage.
- Workers Compensation — We handle all work injury claims directly.
- Auto/PIP (Personal Injury Protection)
For the full breakdown — every plan type, whether a referral is needed to start, and what you can expect to pay — see our complete insurance coverage guide.
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 $20 to $50 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.
| Your situation | What you can expect to pay | What we handle for you |
|---|---|---|
|
Commercial insurance (BCBS, Aetna, Cigna, UnitedHealthcare, Oscar and the rest) |
Your specialist copay, typically $20 to $50 per visit. A deductible may apply first | We verify your benefits and tell you the number before your first visit |
| Medicare | Standard Part B cost-sharing. A Medigap supplement often covers the balance | We bill Medicare directly, and we obtain the required script from your physician |
| No insurance / self-pay | Transparent self-pay rates, quoted before you start rather than billed afterwards | We give you the rate on the phone — call and ask |
| Worried about the cost | Depends on the length of the plan of care, which we set out before you commit to it | Call and we will talk through the payment options with you |
| Workers’ compensation | Nothing. 100% covered, zero out-of-pocket | We handle the authorization and bill the carrier directly |
| Auto accident / PIP | Covered under your PIP benefit | We bill PIP directly. ⚠️ PT is not reimbursable under PIP without a referral, so we help you get one (Medicare: doctor's script required) |
Every figure above is verified against your actual plan before treatment begins — we do not start care and hand you a surprise afterwards.
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?
No. New Jersey has a direct access law that allows you to see a physical therapist without a physician referral. You can book and be seen. Two things sit outside that:
- Medicare patients need a physician’s script — a prescription certifying the plan of care — on every Medicare plan, including Medigap supplements and Medicare Advantage. That is a rule about what Medicare will pay, not about whether you may be seen. You do not need it before you call: book the appointment and our office obtains the script from your physician
- Some HMO plans may require a referral — we check this for you
- Workers comp cases follow their own referral process
How to Get Started
- Call (973) 689-7123
- Tell us your insurance information
- We verify your benefits and explain your coverage
- Schedule your first appointment (often same day)
Related Services
Further Reading
Related pages and patient guides:
