Our goal is to create the best customer experience possible for each of our patients, so we have processes in place to ensure that dealing with your insurance company will be as simple as possible. We will file your insurance for you and will contact your insurance company to determine the appropriate co-pay amount.

We always try to verify with your insurance company what procedures and/or supplies they cover and those they do not cover. There may be supplies and/or treatments necessary for you that are not covered by the insurance company. If that occurs, you will be made aware of the situation and will have the option of getting treatments and/or supplies with the understanding that you are responsible for payment. Please bear in mind, however, that insurance companies do not always give us an all inclusive list of non-covered services. Any treatments rendered non-covered will be your responsibility. For this reason, please take it upon yourself to know your particular policy and notify us if you know a treatment is not covered. It is also your responsibility to follow up with the insurance company if they fail to pay in a timely manner. Your insurance company should always pay within 60 days. Please contact them if you have not received notice of payment from either the insurance company or on your monthly statement from our clinic. If you are unsure if your insurance will pay for Physical Therapy, please contact them.

Your co-pay is due at the time of treatment. If you have not yet met your required deductible, please advise us so that we can make arrangements with you on this. If your insurance is in a spouse's and/or parent's name, please be sure to complete every space on the Patient Information form.

Insurance Co-payment

We calculate your insurance co-payment per visit to the best of our ability based on the information your insurance company gives us when we verify your coverage. Therefore, you may have an additional balance due on your co-payment after the final insurance payment. Please be advised that your insurance company makes the final determination regarding your benefits.

Cash, credit cards (Visa, American Express, Mastercard), and personal checks are all accepted.

Workers' Compensation

If you were hurt on the job and are covered under workers' compensation, we will verify this with your employer and bill the insurance company directly.

Motor Vehicle Accidents

If you were involved in a motor vehicle accident, please provide us with the date of the accident and the state in which it occurred. We will file with your automobile insurance unless otherwise instructed. We would also need verification of your health insurance in case your Personal Injury Plan (PIP) were exhausted.


We do accept Medicare assignment. Medicare will pay 80% of their allowable charges for Physical Therapy. Your supplement insurance will pay the balance. If you do not have a supplement insurance, please advise us as you will be responsible for payment. Normally, Medicare does not pay for supplies. Should you need supplies of any type, you will be given the option of purchasing the supply at your own expense.

No Insurance

If you do not have any insurance, arrangements can be made for a payment plan.

Finance Charges

Effective 10-1-96, we began charging finance charges on all accounts over 30 days old that are the patient's responsibility to pay. Once your insurance company has paid us in full, you will be notified the balance due on the account that is your responsibility. You will have 30 days to pay this account in full or a 1.5% finance charge will be added to your monthly balance.

Insurance and Billing Questions

Debbie Rothenburger is our Billing Manager and you can reach her on Monday, Tuesday and Thursday between 12:30 p.m. and close. Our number is 502-633-2443. Please direct any billing and/or insurance questions to her.

Insurance Accepted

  • Anthem Blue Cross/Blue Shield
  • Medicare
  • Aetna
  • United Healthcare
  • Humana
  • Worker's Compensation
  • Tricare
  • Motor Vehicle Insurance
  • CHA
  • Healthstar/PPO Next
  • One Health Plan/Great West Life
  • Private Health Care Systems (PHCS)*
  • Corvel Corporation
  • Focus Concentra Managed Care, Inc.
  • Eckman-Freeman & Associates
  • Toyota Motor Manufacturing
  • OMCA
  • Integra*
  • Bluegrass Health Network
  • Bluegrass Family Health
  • Integrated Disability Services
  • Coverage Options Associates
  • First Health & CCN
  • Evolutions Healthcare Systems
  • MultiPlan
  • BCE Emergis*
  • Preferred Health Plan (PHP)
  • Plan Vista Solutions
  • Beech Street Corporation*
  • HHC Group
  • Direct Care America
  • Associated Industries of Kentucky (AIK)
  • Kentucky CarenTrust
  • SelectNetPlus
  • Health Link
  • Central States/Team Care
  • Center Care
  • Rockport Healthcare
  • Concentra (TAD program)
  • Cigna

*Please call for a detailed listing