New Jersey is a direct access state, meaning a prescription from your physician, midwife, or other health care provider is not necessary prior to attending physical therapy. 


Lotus Physical Therapy & Wellness, LLC is an "out of network" (OON) provider. This means that you pay upfront for your services and you are responsible for submitting a claim to your insurance. Before you tune out, you should understand a few things.

We would not be able to ensure the unique physical therapy experience we are committed to providing with insurance companies dictating how often, how long, and what you receive in therapy. In a typical PT clinic, it is not uncommon for you to be in therapy 2-3 times a week for 6-8 weeks. You most likely have a co-pay which must be paid at each and every visit. That adds up quickly. If you're lucky, you will have reached your deductible. If not, you will be paying out of pocket for all those visits. 

Other physical therapy providers that accept insurance are forced to see multiple patients within the hour, leaving you to do exercises on your own after only 15-30 minutes with the therapist. The personal experience is lost when your therapist is busy bouncing from patient to patient.

When compared to your deductible, co-pay, and co-insurance, you will end up saving money. At the end of the day, you'll receive personalized care from a caring physical therapist, save time, and save money. 


Depending on your insurance, you may be eligible for reimbursement for your OON physical therapy services, as determined by your insurance provider. Contact your insurance company prior to your first visit to inquire. You will be provided with the necessary documentation needed to submit a claim. Not sure what to ask your insurance provider? Contact us and we will walk you through the right questions to ask.


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