Frequently Asked Questions

Absolutely! SilverSneakers and Renew Active^® members enjoy VIP perks like free weights, weight machines, cardio equipment, locker rooms with showers, and even guest WiFi—all on the house

Want to make a splash? For just $15/month, you can dive into the pool or join our aquatic classes. No strings, no contracts, just month-to-month fun!

SilverSneakers: the ultimate fitness freebie for seniors 65+ on eligible Medicare Advantage plans!

At Balance and Mobility Therapy, your SilverSneakers membership unlocks all the good stuff—free weights, weight machines, cardio equipment, locker rooms with showers, and even guest WiFi. All at no extra cost.

Want to make waves? Add pool access or aquatic classes for just $15/month. No contracts, no commitment—just good vibes and great workouts!

Renew Active^®: Your exclusive fitness passport, courtesy of UnitedHealthcare® Medicare Plans—at no extra cost!

At Balance and Mobility Therapy, your membership gives you the VIP treatment: free weights, weight machines, cardio equipment, locker rooms with showers, and even guest WiFi—all totally free.

Looking to make a splash? Add pool access or aquatic classes for just $15/month. No contracts, no strings—just fitness, fun, and flexibility!

Absolutely! And it won’t break the bank! CLICK HERE for all the details and pricing that’ll make you smile.

Here’s the rundown of major insurance plans we accept. Don’t see yours? No worries! Just MESSAGE US or give us a shout at 419.824.3434, and hit Option 2. We’re happy to help!

1. Workers Compensation
2. Medicaid
3. Medicare
4. Aetna
5. American Specialty Health
6. AmeriHealth Caritas
7. Surest (United Healthcare)
8. Blue Cross Blue Shield
9. CareSource
10. CoreSource
11. Cigna
12. FrontPath
13. HAP (Health Alliance Plan)
14. Humana
15. Medical Mutual (MMO)
16. Meridian Health Plan
17. Paramount
18. Partners Direct Health
19. Priority Health
20. Theramatrix
21. Tricare
22. United Healthcare

A deductible is the amount you pay out of pocket for covered health care services before your insurance steps in. So, with a $2,000 deductible, you’re footing the first $2,000 yourself.

Once you’ve hit that number, you’re golden—just a copay or coinsurance here and there, and your insurance takes care of the rest.

The fine print? Some plans cover certain perks, like checkups or disease management programs, even before you’ve met your deductible. Others might have separate deductibles for things like prescriptions.

Family plans? They play a double game with individual deductibles (per person) and a family deductible (for the whole crew).

Oh, and here’s the trade-off: lower premiums usually mean higher deductibles, while higher premiums come with lower deductibles. It’s all about balance!

Here’s the scoop on copayments (aka 'copays').

It’s a set amount you pay for a covered service. Think $20 for a doctor’s visit - after you’ve met your deductible.

For example:

1. If the doctor’s visit costs $100 and your copay is $20, you hand over $20 at the visit.
2. If you haven’t hit your deductible yet, you’re footing the full $100.

Copays can differ depending on the service/specialists, lab tests, and prescriptions might each have their own price tag.

Oh, and here’s the deal: plans with lower monthly premiums usually mean higher copays, while plans with higher premiums tend to keep copays lower. Balance, right?

Let’s talk coinsurance.

It’s the percentage of costs you cover for a service once your deductible is out of the way.

Here’s an example to break it down:

1. The allowed cost for an office visit is $100. If your coinsurance is 20%, you’ll pay $20, and your insurance handles the rest.
2. Haven’t hit your deductible yet? You’re on the hook for the full $100.

It’s like splitting the bill with insurance—just, unfortunately, not 50/50!

Out-of-pocket maximum is the finish line of your health care spending marathon! Once you’ve hit this magical number through deductibles, copays, and coinsurance for in-network care, your health plan swoops in and covers 100% of the costs for covered benefits.

But hold up! Here’s what doesn’t count toward this limit:

1. Your monthly premiums (sorry, no freebies there).
2. Costs for services your plan doesn’t cover (gotta read the fine print).
3. Out-of-network care (those rebels don’t play by the rules).
4. Extra charges if a provider bills more than the allowed amount (ouch).

Think of it as your health plan’s way of saying, 'You’ve paid enough - relax, we’ve got it from here!'

Got billing questions? Give us a ring at 419.824.3434, and hit Option 2. We're here to make cents of it all!

You bet! We’ve made it a breeze. Just CLICK HERE and consider it done!