Participating Insurances
As your partner in health, we will do our best to help you navigate the complicated world of health insurance. This commitment starts when scheduling your first visit… our staff would be happy to call your insurance company to check your benefits, and continues throughout the course of your care, answering questions about EOBs or payments.
It is important we receive all necessary and required insurance information during your initial evaluation. Most insurances do not require a physician’s referral to be seen, however there are some limited exceptions to that rule.
In addition, if you ever are wondering how much you’ll pay for physical therapy, please call our office. Although the final amount due will depend on services rendered, there will always be a range… and you might be surprised to learn how much more expensive the same care costs at a hospital-owned clinic!
If you have any questions regarding insurances, please contact our billing office at 717-625-2228.
The following are insurance companies with which we participate.
- Alliance Health
- Active Consociate Health – Going Out-of-Network 7/19/25
- Aetna – Commercial & Medicare Replacement
- Amerihelath Administrators
- American Specialty Health – Going Out-of-Network 7/19/25
- Auto
- Capital Blue Cross
- Cigna – Going Out-of-Network 7/19/25
- First Health
- GEHA
- Highmark Blue Shield / Federal Employee Program (FEP)
- Medicare / Railroad Medicare
- Medicare Replacement – Blue Journey, Community Blue, Freedom Blue, Aetna Medicare, Humana, UPMC Medicare, etc.
- Multiplan
- PHC – Preferred Health Care
- PHCS – MultiPlan / Medishare
- Teamsters
- Tricare – NOT Tricare Prime
- Luminare
- UPMC – For Kids / Life
- Veteran’s Choice
- Optum VA
- Worker’s Compensation
- Wellspan & Penn Med Eliance
After more than 25 years of accepting Cigna insurance products, effective July 19, 2025, HARTZ Physical Therapy will become an out-of-network provider with Cigna, American Specialty Health & Active Consociate Health (collectively known as “Cigna”). This applies to both traditional healthcare plans, as well as Medicare Advantage Plans held by the Cigna network of companies.
**Please note, if you have traditional Medicare with a Cigna supplement and/or Medigap plan, you will not be affected by this change. **
Despite significant increases in the cost of providing high-quality care over the past decade, Cigna’s contracted reimbursement rates with our company have remained virtually unchanged and are currently well below our actual costs to deliver the level of individualized, evidence-based 1-on-1 care we are committed to providing.
Additionally, Cigna’s administrative requirements have become increasingly burdensome, with frequent and often unnecessary authorization demands. These delays and additional processes not only strain our administrative team but may also result in delayed access to the care you need.
There will be a 60-day transition period to complete your plan of care as an in-network provider. This timeframe should allow the majority of currently affected patients to complete their plan of care.
However, if there is a need to continue physical therapy past our end date of approximately July 20, 2025, we will do everything we can to help transition your care or give you alternative options. You will also have the option to continue care with us as an out-of-network provider or self-pay for services.
We understand this may cause inconvenience, and we remain committed to helping you navigate your options. If you are a Cigna member, please contact our office to discuss your specific situation—we’re here to help.
* Aetna Disclaimer: Our relationship with Aetna Insurance may be coming to an end in the near future. This is not set in stone yet, however Aetna continues to reimburse us well below our operating costs and has routinely refused our requests for a rate increase despite patient outcomes and satisfaction scores at the top of our industry. As an independent clinic, we do not have the leverage that the large hospital system do to negotiate a higher rate for outpatient physical therapy. We refuse to compromise our standards of unparalleled patient care and customer service. Therefore, we are considering going out of network with Aetna in the near future if they continue to devalue the difference in care that smaller independent practices routinely provide in the medical community. If you want to know how you can help stand up for small businesses against insurance giants, please email us at info@hartzpt.com.
If your insurance company is not listed here, please contact us as we may provide services as an out-of-network provider for certain insurance carriers. Although this may mean lower reimbursement rates for our services, in some cases, your out-of-pocket charges may not differ significantly from that of an in-network service provider. Please contact our office for more information.