Medicare: We are an in-network provider for traditional Medicare. Most medi-gap and secondary insurances cover all or a portion of the deductible and coinsurance. Private Insurance: Due to stagnant and low reimbursement rates of most private insurers, many of which have not changed for the last decade despite an increase in the cost of living, we have opted to be out-of-network providers. This decision is based on our commitment to maintaining one on one personalized care. Additionally, it is our belief that care should be determined by you and your physical therapist - not a claims adjustor or third-party administrator. As a courtesy to our patients with private insurance, we will verify your out-of-network coverage, coordinate any necessary documentation, and submit claims electronically. Health Savings Account / Flexible Spending Account: Our services are covered by health savings accounts and flexible spending accounts. These often-overlooked benefits are a convenient and sensible way to manage your healthcare finances. Motor Vehicle Accident / No Fault: Under the guidelines of NJ PIP, we are eligible to provide physical therapy care to patients who have been involved in a motor vehicle accident. Our staff will work with your claims adjuster to ensure coverage of your treatment. Fee for Service: For patients whose insurance plans do not offer out-of-network benefits or who chose not to use their insurance, fee for service is an option. Rates can be discussed prior to the initiation of treatment. Services are not offered for litigation cases where payment is on a contingency, e.g., Letter of Protection.

Physical Therapy, Physical, Therapy, Montclair, NJ, New Jersey, Pilates, Polestar, Mckenzie, Institute, Vestibular, Spinal, Rehabilitation Biomechanics, Dizziness, Vertigo, Sciatic, Scoliosis, Motor Control, Orthopedics, Sports Medicine, Mechanical Diagnosis, Systemic Muscle Connective Tissue, Balance, Disorder, Fitness, Prevention, Healthy Lifestyle, Home Care, Thomas Lavosky, Tom Lavosky, Lavosky