Insurance & Billing

CPTE wants to make your physical therapy experience as stress free as possible. For your convenience CPTE will bill your insurance carrier for the charges for your physical therapy visits.

We are a participating provider of the major health insurance networks licensed in New Hampshire, as well as many insurances from out-of-state companies. (See the lists below.)

CPTE is a Medicare and Medicaid provider and will bill your secondary insurance when available.

CPTE is a Worker’s Compensation provider as well. We are happy to see any accepted NH or MA Workers compensation injury.

CPTE works with many area attorneys representing patients whose injuries are a result of a motor vehicle accident or 3rd party liability"

Do you need a referral for PT?
A referral for Physical Therapy is not always necessary. In the State of New Hampshire, physical therapists can treat a patient without a medical provider referral. However, some insurance carrier do require a provider’s referral for coverage of physical therapy services.

To find out if a referral is required for physical therapy coverage, call the number on your insurance card and ask if you need a medical provider or Primary Care Provider (PCP) referral for outpatient physical therapy services. Our billing office may also help you to determine if a referral is required. If a referral is required, your provider may fax the referral to CPTE or you may bring it with you to CPTE at the time of your first appointment.

If you need a medical provider's referral, and do not have a provider, our physical therapy staff will be happy to provide you with several names of providers from which you may choose.

The Billing Process

CPTE will bill your insurance carrier on a regular schedule. PLEASE REMEMBER – YOU ARE ULTIMATELY RESPONSIBLE FOR YOUR PHYSICAL THERAPY COVERAGE. If CPTE is not paid for your charges, you are responsible for payment. Working with us to make sure your treatments are paid will be beneficial to both sides.

If you do not have health insurance, you may pay for physical therapy services out-of-pocket. Contact us for a fee schedule.

Important Information Needed

  • Insurance card - When you come for your first physical therapy visit, please bring your health insurance card. This information is necessary for us to bill correctly for your physical therapy treatments.

  • Forms - You will be asked to complete General Information and a Billing Authorization form.

  • Insurance coverage - We will verify your insurance, however, it is important that you understand your physical therapy coverage.

Cancellations and No-Shows

You are responsible for scheduling and coming to all of your scheduled physical therapy visits. If you must cancel, please call us as soon as possible to reschedule the missed appointment. If you do not call us to cancel your appointment, you will be charged a No-Show Fee of $20 for every missed appointment that is not properly cancelled. Your insurance carrier will not cover a No-Show fee.

Financing Plans

If you have physical therapy charges and are having difficulty paying them we are happy to discuss payment options that make it affordable for you to receive your treatment. Financial arrangements are made on an as-needed basis to create a budget you can afford.

Billing Questions and Assistance

All of the billing for the four CPTE clinics is conducted at our Nashua office. Please contact our billing manger for any question or assistance, we are happy to help.

Director of Billing Management:
Heidi Lasala
(603) 880-0448
Billing Assistant:
Samantha Grigg
(603) 880-0448

Patient Confidentiality

CPTE follows HIPAA Guidelines and has a Notice of Privacy Practices. Click here to view this policy.

Insurance Carriers Accepted

NOTE: This is a partial list and carriers change – please call the Billing Department at (603) 880-0448 if your insurance is not listed:

  • Anthem Blue Cross/Blue Shield
  • Harvard Pilgrim Health Plan
  • Cigna Health Care
  • MVP Health Care
  • BlueCross/Blue Shield New England
  • United Health Care
  • Medicare
  • Medicaid
  • Aetna
  • Tufts Health Plans (out-of-network option only)
  • Tri-Care
  • Martins Point
  • First Health

Insurance carriers that do not contract with CPTE:

  • Massachusetts – HMO Blue

Frequently Asked Questions

Do I need a doctor's referral to receive physical therapy?

No, it is not always necessary. See above.

Who do I see if I have a question or problem concerning my bill?

The Billing Manager is the person to whom you need to speak. All insurance billing and questions are handled out of our Nashua office. For contact information, see above.

How much will my treatments cost?

Fees will vary depending on your diagnosis and the extent of your treatment. There will be an initial physical therapy evaluation fee, as well as fees for each of your treatments. For more specific fee information for your treatment, please contact the Billing Department.

I have Medicare can I come to CPTE?

Yes, CPTE is a Medicare certified provider at all four clinics.

I have a secondary carrier with my Medicare plan. Does CPTE bill my secondary insurance?

Yes we do. If you have secondary coverage, CPTE will verify what that coverage is and inform you if will have an additional co-insurance fee. Most secondary coverages pay for the unpaid balance from Medicare that is owed.

What insurances carriers does CPTE accept?

CPTE accepts all of the health insurance carriers licensed through the state of New Hampshire. CPTE accepts many out-of-state insurances. See the lists above for insurances accepted and not accepted by CPTE.

I have Medicaid. Can I come to CPTE?

Yes, CPTE is a Medicaid provider

I have a High deductible health plan. How do I handle my deductible for physical therapy charges?

As with any medical situation the details of an insurance plan need to be understood and become part of the treatment strategy. High deductible plans are becoming more common with our patients; here are a couple of things you should know about making these plans work best when needing Physical Therapy:
When treated at a hospital or hospital-owned satellite physical therapy clinic, you may have to satisfy a high HOSPITAL deductible (a hospital-owned outpatient physical therapy clinic is part of a hospital related deductible). If you are treated by non-hospital provider (such as CPTE) you may only have to pay a co-pay. Check your health plan deductible benefits and ask if the provider has hospital connection and whether you pay the entire fee or just the co-pay.
In addition, the insurance reimbursement rates for a hospital (or satellite) may be higher than those charged by a non-hospital provider. Fees vary and because of the high overhead of a hospital you may pay more when using hospital rehab services (including satellite offices). Call the hospital and ask for their contracted fees for your insurance company and compare them to our fees.
CPTE’s billing department is happy to review your insurance coverage and help you clearly understand your co-pay and deductible obligations.

Will CPTE take a worker’s compensation patient?

Yes, CPTE is happy to care for worker’s compensation patients.