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Insurance & Patient Policies

Scheduling Appointments

To schedule an appointment, please call our office between 7:00 am to 8:00 pm, Monday through Thursday, 7:00 am to 6:30 pm Friday. At that time, we will ask you to explain the nature of your visit so that we may allow the appropriate amount of time for your appointment. Please have your insurance information available.

Danielle with a patient

Cancellation and Missed Appointments

If, for any reason, you cannot keep your scheduled appointment, please call your particular CBAY clinic with at least 24 hours notice. We reserve the right to charge for missed appointments or appointments canceled with less than 24 hours notice. If a patient misses two consecutive appointments (no shows), the therapist reserves the right to discharge you.

Financial Policy & Agreement

Thank you for selecting Chesapeake Bay Aquatic & Physical Therapy as your physical therapy provider. Our commitment is to provide the very best healthcare to our patients. The responsibility for payment of fees for these services is the direct obligation of the patient. Any financial payment you may receive from private insurance or government agencies is a matter strictly between you and the insurance carrier or government agency. You must realize that your health benefit plan is an arrangement between you, the enrollee and the insurance company. While we will try to be helpful, your health benefit plan determines your coverage, any requirements for prior authorizations or referrals and establishes the limit on your coverage for medical services. We cannot know the benefits and exclusions of each patient’s policy. It is the patient’s responsibility to know and understand his/her coverage and benefits.

Billing Information

Please be sure that we have your most current demographic and insurance information at all times. It is your responsibility to provide us with this information. As soon as your information changes, notify us in writing immediately, so we can make the appropriate changes in our billing system and continue your care.

Past Due Accounts

Accounts are considered past due after 30 days. Payment should be made in a timely manner. Please notify our office immediately if you are unable to make payment in full. Payment arrangements may be considered so that treatment isn’t interrupted.

Returned Check & Insufficient Funds Policy

A fee of $35 due prior to next visit. Copayments are to be paid prior to each visit unless a payment plan has been approved.

Billing Your Insurance Carrier

Chesapeake Bay Aquatic & Physical Therapy will invoice you and participating insurers. All fees not covered by participating insurers will be the patient’s responsibility.

Insurance Plans

We accept the following insurance plans. If you don’t see your plan listed below, please call us.

  • Amerigroup
  • Auto*
  • BlueCross BlueShield
  • Department of Labor
  • GEHA
  • InforMed/Conifer
  • IWIF
  • Johns Hopkins Health Plans (includes EHP, USFHP)
  • Kaiser
  • Medicare (including Railroad Medicare)
  • Medrisk
  • Multiplan/PHCS
  • OneNet PPO
  • Priority Partners
  • State of MD Medicaid (Under 21 and second to Medicare only)
  • Tricare (includes VA, VACAA, HealthNet Patient-Centered Comm. Care)
  • United Healthcare (MAMSI, MDIPA, UMR, Compass, UHC Care, UHN Navigate)
  • Universal Smartcomp
  • Worker’s Comp

*If we accept your commercial health insurance.
*For all Department of Labor patients, please give one additional week notice so that we have ample time to obtain authorization.

therapist with a patient explaining with a model

Out of Network

  • Alliance
  • Coventry
  • Mail Handlers
  • GEHA

New Patient Forms & Frequently Asked Questions

Passionate, Caring, One-On-One Approach.