RehabWorks • Naples & Fort Myers
Insurance accepted for physical therapy
Understand your options. Find care for your condition. Let our team help you check your benefits before your first visit.
RehabWorks works with a range of insurance plans, provider networks and benefit programs for outpatient physical therapy. Explore the list below, then contact your preferred clinic to confirm your exact plan.
Please verify your specific plan. A company or network name does not confirm coverage for every policy. Participation, benefits and costs can vary by plan, provider, location and service. Contact us and your insurer before treatment to confirm your coverage.
Find your plan
Insurance plans, networks & programs
Look for the company and plan name on your insurance card. Some benefits are administered through a separate network or employer program. If you do not see your plan, call us—we can help you check your options.
Health plans & provider networks
- Ambetter
- Blue Cross Blue Shield
- Cigna Healthcare of Florida
- Coventry Health Care
- First Health
- Florida Blue
- Humana
- Humana Choice Care
- Meritain Health
- Molina Healthcare
- MultiPlan
Specific products, including HMO and PPO plans, require verification. Ask whether your exact policy is in-network or eligible for out-of-network benefits.
Medicare & Medicare Advantage
- Original Medicare / Medicare Part B
- Freedom Health Medicare HMO
- UnitedHealthcare Dual Complete
- UnitedHealthcare Medicare Solutions (Florida)
Original Medicare and Medicare Advantage have different coverage and network rules. Please tell us which coverage you have and bring any secondary insurance information.
Florida Medicaid: contact us to verify the specific program or managed care plan and the participating location.
UnitedHealthcare & Optum
- UnitedHealthcare Charter
- UnitedHealthcare Compass
- UnitedHealthcare Navigate
- UnitedHealthcare of Florida – Tampa
- UnitedHealthcare One
- Neighborhood Health Partnership
- NexusACO NR
- NexusACO R
- MPN – Empire Plan
Your member card may show UnitedHealthcare, Optum or a related network. We will need the exact plan details to check participation and authorization requirements.
Community Health Partners & employer plans
- Allegiance
- HealthSmart Preferred Care
- National Preferred Provider Network (NPPN)
- Collier County Government
- Collier County Sheriff’s Office
- Collier County Public Schools
- Cigna Healthcare of Florida
- Freedom Health Medicare HMO
- Humana Choice Care
- Molina Healthcare
- Meritain Health
- Workcare
Employer and network arrangements can differ by clinic. Ask us to confirm your plan at Vanderbilt, Mercato or Fort Myers.
Workers’ compensation & accident claims
- Align Networks
- CareWorks
- CorVel Corporation
- MedRisk
- Prime Health Services
- Procura Management
- Rockport – Workers’ Compensation
- TechHealth – Workers’ Compensation
- Universal SmartComp
- Zelis
- State Farm
- Travelers
Contact us with your claim and adjuster information. Treatment must be coordinated with the applicable carrier or network and any required authorization.
Veterans & federal programs
- Veterans Affairs Community Care Network (VA CCN)
- U.S. Department of Labor programs
- Division of Federal Employees’ Compensation (DFEC)
- Division of Energy Employees’ Occupational Illness Compensation (DEEOIC)
- CNSI / federal claim coordination
VA community care requires an approved referral and authorization. Federal claims also require program-specific verification. Learn about care for veterans.
Your condition + your coverage
Find the care you need
RehabWorks provides physical therapy for a range of orthopedic, neurological and movement-related conditions. A therapist evaluates your needs; insurance coverage is checked separately for your plan and recommended services.
Joint pain & orthopedic injuries
Shoulder, elbow, wrist, hand, hip, knee, ankle and foot rehabilitation.
Neck, back & spine
Care for neck and back pain, spine conditions and related movement limitations.
Balance, dizziness & vertigo
Vestibular and balance rehabilitation based on your evaluation and treatment goals.
Parkinson’s rehabilitation
Movement, walking and balance care, including LSVT BIG.
Recovery after surgery
Rehabilitation after orthopedic surgery, including hip, knee and shoulder replacement.
Sports & golf rehabilitation
Care for sports-related injuries and movement limitations affecting your game.
Ask about your specific treatment. Services and clinician availability vary by location. Specialized treatments and performance or wellness programs may have different coverage or self-pay requirements.
A clearer first step
How to check your physical therapy benefits
Call your preferred clinic
Tell us your insurance company, exact plan name and the condition or surgery you need help with. Have your insurance card available.
Review the details
Ask us to check network participation, deductible, copay or coinsurance, visit limits, and referral or prior authorization requirements.
Plan your first visit
Discuss expected costs and any required approvals before care begins. Bring your insurance card, photo ID and any referral or authorization documents.
Benefit verification helps you plan, but it is not a guarantee of payment. Your insurer determines coverage and processes claims under your policy.
Out-of-network & self-pay options
Ask us to compare your options
For eligible out-of-network plans, RehabWorks can review benefits and provide a written cost comparison. Ask whether an option with costs comparable to in-network care is available for your plan.
This does not change your plan’s network status. If you are uninsured or a service is not covered, ask for current self-pay pricing before treatment.
CareCredit healthcare financing
Ask our team about using CareCredit for eligible out-of-pocket expenses. CareCredit is a healthcare credit card, not insurance or a monthly care membership.
Financing is subject to credit approval and lender terms. Available options may vary. Read how CareCredit works.
Common patient questions
Physical therapy insurance FAQ
Do you treat my condition and take my insurance?
RehabWorks treats a range of conditions, including joint and spine problems, postoperative recovery, vestibular and balance disorders, Parkinson’s disease and sports injuries. Use the insurance list above to find your company or network, then call your preferred clinic. Our team can help confirm whether the appropriate service and provider are available there and check your exact plan’s benefits. A listed diagnosis or insurance brand alone does not confirm coverage for a particular treatment.
Does RehabWorks accept Medicare for physical therapy?
Medicare is listed among the programs RehabWorks accepts. Original Medicare Part B helps cover medically necessary outpatient physical therapy when coverage requirements are met. Medicare Advantage plans have their own network, cost and authorization rules, so we need to check your specific plan and location. Read Medicare’s physical therapy coverage guidance.
Do you accept UnitedHealthcare, Humana, Florida Blue or Ambetter?
These companies or their related products appear in our insurance and network list. Participation can differ between policies carrying the same brand, including HMO, PPO and Medicare Advantage products. Contact us with the full plan name on your card to confirm your network status, benefits and clinic before scheduling treatment.
Is my insurance accepted at all three locations?
Please verify your plan at the location you intend to visit: Vanderbilt in Naples, Mercato in Naples, or Pelican Preserve in Fort Myers. Network participation, clinician availability and authorization details can vary by location.
Do I need a referral or prior authorization?
Requirements depend on your plan and services. Your insurer may require a referral, prior authorization or other documentation even when you can contact a physical therapy clinic directly. VA community care requires an approved referral and authorization. Our team can help you identify the requirements before treatment.
How much will I pay for physical therapy?
Your cost depends on your benefits, remaining deductible, copay or coinsurance, network status and the services provided. Ask for a benefit review and cost estimate before your first visit. If you are paying privately, ask for current self-pay rates and pricing for any specialized treatment.
What if my insurance company is not listed?
Call us with your plan information. A plan may use a network or benefits administrator with a different name. We can help check your options, including any available out-of-network benefits or self-pay arrangements.
Let’s check your options
Talk with your RehabWorks clinic
Have your insurance card handy. Tell us your plan name, preferred location and what you need help with.
Vanderbilt · Naples
7273 Vanderbilt Beach Road
Suite 18
Naples, FL 34119
Mercato · Naples
9110 Strada Place
Suite 210
Naples, FL 34108
Pelican Preserve · Fort Myers
10580 Colonial Boulevard
Suite 112
Fort Myers, FL 33913
Insurance participation and benefits can change. Confirm your specific plan with RehabWorks and your insurer before treatment. Names and logos identify insurance companies, networks and programs; they do not guarantee coverage, approval or payment for every plan or service.