Important Information

Billing and Insurance



Everything about your visit to All Star PT is made easy—and that includes billing. We’ve worked hard to make the process simple for you. Here’s how we do it:

  1. First, we verify your benefits for you so that we know how much your copay for physical therapy will cover.
  2. When you visit, we collect the copay and apply it to your account with us.
  3. We take care of submitting a claim to your insurance company so they are aware of your appointment. It can take the insurance company around 45 days to process a claim.
  4. Once it has been processed, we review the claim and let you know if you have a balance or a refund coming your way.


All Star PT works with the majority of insurance carriers. Check the list below for your insurance provider.

Commercial Payers

  • Aetna
  • Blue Cross
  • Blue Shield
  • Cigna (administered through ASH)
  • UMR
  • United Healthcare

Workers Comp

All Star Physical Therapy accepts all work comp referrals including:

  • Align Networks/One Call
  • Department of Labor
  • ION PT
  • Medrisk
  • Orchid
  • SMS National
  • Therapy Direct
  • Transparent Health
  • and numerous others.

Network Members of:

  • ACN Optum
  • CareIQ
  • GEHA
  • ONSITE Physio
  • PhysMetric
  • PTPN - PTPN clinics include:
    • Apple Valley, Yucaipa, Corona, Lake Elsinore, Menifee East, Murrieta-Hancock, Murrieta-Cal Oaks, Temecula-Rancho, Temecula-Tem Pkwy, Fallbrook, and Vista

HMO/IPA & Government

  • All United Medical Group
  • Alpha Care Medical Group
  • ARCH
  • Brand New Day
  • Center IPA
  • Community Health Group (Vista & Fallbrook only)
  • Freedom Physicians
  • Golden Physicians (San Diego clinics only)
  • Health Excel
  • HealthNet Direct
  • IEHP Direct
  • Imperial Health
  • Inland Faculty
  • LaSalle (through PTPN-see clinic list to left)
  • Medicare
  • Molina
  • PCAC (Primary Care Associates of CA)
  • Prospect
  • Rady Children’s
  • Riverside Medical Clinic
  • Regal Medical Group
  • SCRIPPS (San Diego clinics only)
  • Sharp Community
  • TriCare-HealthNet Federal Services
  • UCSD (San Diego clinics only)
  • Vantage
  • Veterans Administration (through WPS-VAPCC)

*Our Apple Valley clinic is also contracted with Choice Medical Group, Freedom Physicians, and NXT IPA.

Now Accepting All Liens.

If you are unsure whether or not we accept yours, or if you have questions about your benefits, please call our billing office at (951) 200‑3620.

Don’t let the stress of billing and insurance stand between you and a pain-free life. We’re here to help you every step of the way.

Do you have a High Deductible Health Plan?

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone.

Navigating the healthcare system can be stressful – financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later… and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, opioid medication, injections, and surgery.

Let us help you get the care you need – without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

Here’s what you need to know:

What is a High Deductible Health Plan?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load. According to the IRS, in 2021, a health plan is considered an HDHP if….

  • The deductible is $1,400 or more, for individuals
  • The deductible is $2,800 or more, for families

Additionally, more than 90% of persons enrolled in an Exchange Plan are in High Deductible Health Plans, in which the average deductibles are even higher: $3572 for an individual and $7474 for a family.

So, how can All Star help me?

At All Star PT, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:


Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance. There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different – it’s best to contact your insurance provider for details on eligibility and benefits.


We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.

Another Bonus?

The physical therapists at All Star PT are specialists, not generalists, which means you get results in fewer visits, saving you time and money. In fact, care at All Star PT costs 42% less than the national average.

The Bottom Line:

Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan or payment options, let’s discuss it! Our friendly, knowledgeable billing team can help.