online bill pay
Thank you for choosing THEORY Physical Therapy! Our preferred method of payment is by check, which can be mailed to our clinic at 7545 W. 159th St. Tinley Park, IL 60477 (or you can stop by, we'd love to see you!). For your convenience, we also accept payments over the phone or securely online.
Please submit payment upon receipt of our statement.
Questions About Your Bill?
Call us at 708-620-8311 or email at billing@theorypt.com.
Understanding Your Insurance
Health insurance can be confusing, but these four key terms can help you better understand how your coverage works:
Deductible
This is the amount you’re responsible for paying out-of-pocket for covered healthcare services before your insurance begins to share the cost. For example, if your annual deductible is $1,000, you’ll need to pay that amount towards all your medical care before your insurance kicks in.
Co-Pay (Copayment)
A co-pay is a fixed fee you pay for certain services, like a physical therapy session or a visit to your primary care doctor. The amount is usually listed on your insurance card and is due at the time of service.
Co-Insurance
After you've met your deductible, co-insurance is the percentage you pay for covered services. For instance, with 20% co-insurance, you pay 20% of the bill, and your insurance covers the other 80%.
Out-of-Pocket Maximum
This is the most you’ll have to pay during your plan year for covered services. Once you reach this limit—including what you've paid toward your deductible, co-pays, and co-insurance—your insurance covers 100% of covered expenses for the rest of the year.