North Naples Physical Therapy (NNPT) wants cost and coverage to be straightforward. Our front office will verify your benefits as a courtesy, explain expected costs before you begin, and help coordinate any referrals or authorizations your plan requires. Final patient responsibility is determined by your insurance plan once claims are processed.
Plans We Work With
We are in-network with several major plans and work with many PPO plans. If you don’t see your plan, call us, coverage changes frequently and we’re glad to check.
Commonly accepted plans include:
- Medicare (Traditional Part B)
- Medicare Advantage
- Blue Cross / Blue Shield
- Allegiance
- Meritain
Before your first visit, our front office will verify your eligibility and benefits for outpatient physical therapy, outline your copay, coinsurance, and deductible responsibilities, confirm whether a physician referral or prior authorization is required, and check any visit limits or medical-necessity rules that apply to your plan. If you have out-of-network benefits, we’ll review those as well. After verification, we’ll provide a clear estimate of your expected costs, so you know what to expect before care begins.
Medicare Patients
We accept Traditional Medicare (Part B) and bill Medicare directly. If you have a secondary plan, we’ll submit claims on your behalf when possible. For Medicare Advantage and other managed Medicare plans, coverage varies—please call and we’ll verify your specific benefits.
Referrals & Authorizations
Some insurance plans require a physician referral and/or prior authorization before therapy begins. If your plan does require one, we’ll help coordinate it as soon as you share your physician’s information. If your plan does not require a referral, you may still choose to consult your physician—especially for post-surgical or complex conditions. We follow all applicable state regulations and payer rules, and if requirements change during your course of care, we’ll update you right away.
Financial Responsibility
Copays are due at the time of service. After your insurer processes the claim, any applicable coinsurance and deductible amounts will be billed to you. We accept major credit/debit cards, HSA/FSA, checks, and cash, and you’ll receive an itemized statement for your records. Upon request, we can provide a good faith estimate based on your plan’s information; final balances may differ once your insurer adjudicates the claim.
Cancellations & No-Shows
Please provide 24-hour notice if you need to cancel or reschedule. Late cancellations and no-shows may be subject to a fee so that we can offer the appointment to another patient in need.
What to Bring to Your First Visit
- Photo ID and insurance card(s)
- Referral/authorization (if required by your plan)
- Imaging and diagnostic reports
- Post-operative protocol (if applicable)
- Comfortable clothing for movement assessment
Questions? We're Here to Help
Call 239-594-5412 and we’ll verify your benefits, review costs, and schedule your first visit.