At JointKare Physical therapy, we strive to make your care experience as smooth as possible — including the billing process.
Billing and Insurance
Insurance & Billing
At JointKare Physical Therapy, we understand that navigating insurance and billing can be overwhelming. Our goal is to make the process as clear and stress-free as possible so you can focus on your recovery.
We accept a variety of insurance plans and also welcome patients with out-of-network benefits. Whether you're using insurance, paying out-of-pocket, or need assistance with paperwork, our team is here to help every step of the way.
If you have questions about your coverage, co-pays, authorizations, or billing statements, please don’t hesitate to reach out. We’re committed to transparency, support, and making sure you understand your financial options.
Insurance Plans Accepted
We accept most major insurance providers, including:
Medicare
Horizon (Blue Cross Blue Shield, NJ Health, NJ Total Care)
Braven
Aetna Medicare Advantage PPO (Via ASH)
Cigna Healthcare (via ASH)
Centivo (via ASH)
Is Your Insurance Not Listed?
If you don’t see your insurance plan listed among those we accept, please don’t worry!
You can still reach out to us — we’re happy to help you:Verify your benefits
Explore out-of-network options if available
Discuss self-pay and package options
Our goal is to make your care as smooth and affordable as possible. Give us a call or send us a message — we’re here to assist!
Out-of-Network? No Problem.
If you have out-of-network benefits, you can still receive care with us and may be eligible for reimbursement through your insurance. You’ll simply pay at the time of service, and we’ll provide a superbill you can submit to your insurance.
We also offer:
Transparent self-pay rates
Flexible payment plans
Multi-session packages for committed care
Just let us know you're using out-of-network benefits — we'll handle the rest!Out-of-network plans (with benefits verification)
Discounted Programs
✅ ChooseHealthy® Wellness Discount Program (No claim submission needed — pay discounted rate at time of service)
If you’re unsure whether your plan is accepted, feel free to give us a call — 732-662-5770.
Referral & Authorizations
Some insurance plans may require a physician referral or pre-authorization. Our front desk team will help coordinate all necessary documentation.
Out-of-Pocket & Self-Pay Options
No insurance? No problem. We offer competitive self-pay rates and can create flexible payment plans to fit your budget.