FREQUENTLY ASKED QUESTIONS
DO YOU ACCEPT HEALTH INSURANCE?
No. Roots is an out-of-network provider with all insurance carriers. However, we will provide you with all of the necessary paperwork, after each session, so you can submit to your insurance company for reimbursement. In addition, we will pay for your claims to be submitted through SuperBill, to take the stress and time of submitting off of your hands.
ALTHOUGH YOU ARE OUT-OF-NETWORK, DO YOU HELP WITH CLAIM SUBMISSION?
Yes. At Roots, we do not submit your out-of-network claims for you. However, because we value your time and want you to get reimbursed for your treatment, we cover the costs for your claims to be submitted using SuperBill. They do the work, and the check gets sent directly to you. We will give you more information on this at your evaluation!
WHAT IS MANUAL PHYSICAL THERAPY?
Manual physical therapy is a hands on, direct, physical therapy treatment approach. Visual and physical examinations and assessments will lead to an individualized hands on treatment to improve mobility, neuromuscular efficiency, performance and reduce pain. Manual Therapy is a subset specialty in the Orthopedic realm of physical therapy.
WHY DOESN'T ROOTS ACCEPT MY INSURANCE? HOW DOES SEEING AN OUT-OF-NETWORK PROVIDER BENEFIT ME?
Roots is an out-of-network provider in order to give you the best quality care, the care that YOU deserve. In-network providers are restricted by insurance companies, which means your insurance provider dictates the care you get. At Roots, we believe your care should be based off of what YOU need, not the insurance plan you have.
Okay, we understand that it may be the financial part that is hard to wrap your head around? Let's break down the financials of insurance so you can see it isn't quite what it seems...
When seeing an in-network provider, your insurance benefits don't typically start until you meet your deductible. This means you are responsible for 100% of the bill until then. Deductibles generally range from $1,000 to $3,000 for an individual and from $2,000 to $6,000 for a family. If you haven't met your deductible, you will be responsible for 100% of your therapies anyway.
Maybe you have reached your deductible already? Once you meet your deductible, you will have a co-pay or co-insurance until you meet your out-of-pocket maximum. Typical co-pays range from $20-$55 per treatment or the co-insurance is 10-50% of the total cost of the treatment. So although your insurance is covering the therapies you are receiving in-network, some of the cost will still be on you.
Now lets break down the difference in how much care you will need when you see an in-network vs out-of-network provided.
For Physical Therapy, typical in-network physical therapists will require you to come 2-3 times per week for a course of 6-12 weeks, during a typical treatment plan. You may only actually get 15-20 minutes of 1-on-1 time with your therapist in each session, due to the lower reimbursement rates by insurance companies (in-network providers need to treat more people, for shorter durations to make up the monetary gap). Typically, the rest of your PT session will be with your therapist supervising multiple patients at the same time, or be with an assistant or aid. If you add up the total cost of your co-pays or co-insurance, for the total amount of sessions, you will find you are still responsible for a large chunk of money. Plus if you break down the minutes you are actually 1 on 1 with a PT, it sometimes doesn't seem worthwhile.
At Roots, most clients are seen, at most, 1x/week for a 60 minutes session for 6 to 12 total sessions, during the course of a treatment plan. 100% of ALL treatments are 1-on-1 with a highly specialized and trained provider.
For PT, our rates range from $147 to $195 for a 60 minute session, depending on the package you select. Since our providers are highly trained, they typically need less sessions to get you better. Remember, most of health care providers are not getting to the root of the problem, like we strive for at Roots.
Is it really worth seeing an in-network provider?
DO I NEED A DOCTOR’S REFERRAL?
No. New Hampshire is a direct access state. That means you can see a Physical Therapist or Nutritionist directly, without a referral from a Doctor.
WHAT IS THE DIFFERENCE BETWEEN THE NUTRITION SESSIONS AND BEHAVIORAL SESSIONS?
The clinical package incorporates BOTH nutrition recommendations/intervention/supplement recommendations and behavior change support. The behavioral packages does not include nutrition recommendations or specific supplement recommendations. The behavioral package focuses on understanding how your behaviors influence your health and working together to find solutions to help you reach your health goals.
DO I HAVE TO TAKE SUPPLEMENTS?
You never have to take supplements. You can choose to incorporate supplements into your health routine if it fits in with your goals, and budget. We carry only professional lines, most of our products you can only get through a health care provider.
DOES ROOTS ACCEPT HSA/FSA FOR PAYMENT?
Yes, as a health care facility, we can accept payment via HSA and FSA cards!