INSURANCE | WE ACCEPT
We accept Medicare, Medicaid, and several major insurance carriers and participate with many local provider networks.
Move Better. Feel Better, Perform Better
AARP Medicare Advantage Choice (PPO)
AARP Medicare Advantage Patriot (PPO)
AARP Medicare Advantage Walgreens Plan 2 (PPO)
AETNA
Ameriprise
AmeriTrust Insurance Corporation
American Specialty Health
Bragg and Associates, Inc
CDS Health Plans
Charter EPO
Charter HMO/HMO Plus
Charter POS
Cigna
o Cigna Medicare Advantage (PPO)
CORE HMO
Companion
Health Access America
Health Smart
Hometown Health
IBEW Local Union 124
Intermountain UFCW
Las Vegas Firefighters Health & Welfare Trust
Local 226 IBEW
Medicaid
Medicare
MultiPlan
Midlands Claims Administrator
NexusACO NR EPO
NexusACO NR HMO
NexusACONR POS
NexusACOA OA EPO
NexusACOA OA HM
Optum
Peppermill Inc.
PEHP
ProCentury Insurance Company
Railroad Maintenance and Industrial H&W Fund
Republic Group
Retiree Health Trust
Selective Insurance
Sierra Health and Life
o Caesars Entertainment
o City of Henderson
o Clark County Self-Funded
o Comp Net America
o Dignity Health
o Golden Nugget- Las Vegas
o Kaiser Permanente
o Las Vegas Metropolitan Police
o Dept Employee Health
o Las Vegas Sands Corp (Venetian, Palazzo)
o MGM Resorts International
o NV Dept of Corrections
o PLI Las Vegas, LLC
o Stations Casino
o Teachers Health Trust
Transguard Insurance
Tricare
UFC Local 711
UHC Core Choice Plus
UHC Doctors Plan EPO
UHC Doctors Plan Plus HMO
UHC Doctors Plan Plus POS
UnitedHealthcare Group Medicare Advantage (PPO)
INSURANCE TERMINOLOGY
When you schedule an initial Physical Therapy appointment at ZKORC (and you wish to bill your treatments through your insurance), please provide your insurance plan information. Here are three important insurance terms that represent the portion of the medical bill you are responsible for.
Deductible – A deductible is usually a fixed dollar amount you must pay out of your own pocket before the insurance covers the remaining eligible expenses. Depending on the insurance plan, the deductible can range from $0 all the way up to thousands of dollars. It can also be paid per sickness/injury (per condition) or per certificate period.
Coinsurance – Coinsurance is usually a percentage and represents the percentage cost that you will need to pay, and the insurance plan will pay towards your eligible medical expenses. Some common coinsurance examples include 80/20, 90/10, and 50/50 – so if you have 80/20 coinsurance on your insurance plan, it means that the insurance company will cover 80% of your medical cost, and you are responsible for paying the other 20% yourself. A deductible is commonly used together with coinsurance. In this case, you would pay the deductible amount first, and after you would have the left-over coinsurance amount.
Copay (copayment) – Copays are similar to deductibles; in that it is usually a fixed amount of money you have to pay each time you need to use your insurance plan. Unlike deductibles, copays tend to be smaller dollar amounts and are applied on a per-visit basis so that you would have to pay it each visit. At ZKORC, your copay will be collected prior to every session.