Insurance & Billing

We Accept All Insurance Plans

Tristar Physical Therapy accepts all major insurance plans, making it easy to access the care you need without financial stress. Our billing team handles insurance verification and claims processing so you can focus on your recovery.

Insurance Plans We Accept

We are in-network with most major insurance carriers, including Blue Cross Blue Shield, Medicare, Humana, Aetna, Cigna, United Healthcare, TRICARE, and workers’ compensation carriers. If your plan is not listed here, please call us — we likely accept it.

What to Bring to Your First Visit

Please bring your insurance card, a photo ID, any referral or prescription from your physician (if applicable), and relevant medical records or imaging results. Our front desk team will verify your benefits and explain your coverage, including any copay, coinsurance, or deductible amounts, before your first treatment session.

Understanding Your Coverage

Most insurance plans cover physical therapy and occupational therapy, though the specifics vary. Common questions include how many visits are covered per year, whether a referral or prior authorization is required, what your copay or coinsurance amount is, and whether your deductible applies. Our billing team is happy to help you navigate these questions. Call any of our 8 locations and we’ll verify your benefits at no charge.

Payment Options

For patients without insurance or with high deductibles, we offer competitive self-pay rates. Ask about our cash-pay pricing when you call to schedule. We accept cash, check, and all major credit cards. You can also pay your bill online using our secure payment portal.

Workers’ Compensation

Tristar accepts all Tennessee workers’ compensation carriers. If you’ve been injured on the job, bring your claim number and adjuster contact information to your first visit. We handle billing directly with your carrier.