Insurance & Billing
We accept most major Michigan insurance plans. We'll help you understand and maximize your benefits.
Accepted Insurance Plans
Insurance contracts change frequently. Always verify your specific benefits directly with your insurer and our billing office before your first visit.
Commercial & Managed Care
Government Programs
(verify by plan)
Workers' Compensation & Auto
Understanding Your Benefits
Verifying Your Benefits
Before your first visit, our team will contact your insurance company to verify your benefits and determine your estimated out-of-pocket costs (co-pay, deductible, coinsurance). We'll explain your estimated costs before your first appointment.
Referral Requirements
Michigan law allows direct access to PT without a physician referral (PA 260 of 2014). However, many insurance plans still require a referral for coverage. We will inform you of this before treatment — see our Direct Access notice.
Co-pays & Deductibles
Co-pays are typically due at time of service. If you haven't met your deductible, you'll be billed the contracted rate for services. We will give you a good-faith estimate of costs before treatment begins.
Self-Pay Rates
If you don't have insurance or your plan doesn't cover PT, we offer transparent self-pay rates. Contact us to discuss your options — we're committed to making care accessible.
Visit Limits
Many insurance plans limit the number of PT visits covered per year. Our team will track your visits and notify you when you're approaching your limit so there are no billing surprises.
Billing Questions
Questions about a bill or Explanation of Benefits (EOB)? Our billing team is happy to help. Call us at (313) 767-1992 or email help@zsphysicaltherapy.com.