How is this better for me?
Think of what is your normal, out of pocket, co-pay for an in network
PT visit. Is it $20, $25, or $30? Some are as high as $50.
Compare that to using
"out of network" and what you will pay out of pocket.
For the $140 visit
charge, 80% coverage would reimburse you $112,
making out of pocket for you $28.
the $140 visit charge, 70% coverage would reimburse you $98,
making out of pocket for you $42.
course, you have to meet you deductible first. That can be anywhere from $500 to $2,000. Every plan is different so you need
to check and remember that the deductible may be being met by visits to other helthcare professionals.