In-Network Insurance
Care you can afford, without the guesswork.
Plans We Participate With
Nobody wants to start physical therapy and then find out it wasn’t covered. Expert Rehabilitation Group is in network with most major insurance plans, and our staff verifies your specific benefits before you begin treatment.
If you don’t see your plan listed, call us anyway at (973) 221-5236. Coverage varies plan to plan, and we’re happy to check.
- Medicare
- Horizon Blue Cross Blue Shield
- Anthem Blue Cross Blue Shield
- Aetna
- UnitedHealthcare
- Oxford
- Optum
- Cigna
- Clover Health
- AmeriHealth New Jersey
- Oscar Health
- TRICARE
Click any plan above for details on referral requirements, plan types, and what to check before your first visit.
Other Ways Care Is Covered
Workers’ compensation. Work-related injuries are covered through your employer’s carrier. In New Jersey the employer or carrier directs medical care, so treatment is authorized through them. Workers’ comp physical therapy
Auto accident (PIP). If you were injured in a motor vehicle accident, treatment is generally covered under the personal injury protection portion of an auto policy. We bill your auto carrier directly. Auto accident physical therapy
We Verify Your Benefits First
Before your first appointment, our bilingual staff will confirm your coverage, check whether your plan requires a referral, and explain what you can expect to owe. You’ll know before you start, not after.
You May Not Need a Referral
Under New Jersey’s Direct Access law, Dr. Sheldon Shterengarts and Dr. Roger Avecillas can evaluate and treat you without a prescription from another provider.
Some insurance plans still require a referral for reimbursement even though the law doesn’t require one for treatment. That’s one of the things we check when we verify your benefits.
Frequently Asked Questions
How do I find out what I’ll owe?
Call us at (973) 221-5236 with your insurance card handy. We’ll verify your benefits, including any deductible, copay, or visit limits, and explain them in plain language.
What if you’re not in network with my plan?
Call anyway. Depending on your plan, out-of-network benefits may still apply, and we can talk through your options before you commit to anything.
Does my plan require a referral?
It depends on the plan. New Jersey law lets us treat you without one, but some insurers require a referral to pay.
Do you accept Medicare?
Yes. Medicare requires a physician to certify your plan of care for treatment to be covered. More about Medicare coverage
Ready to Get Started?
Call or text (973) 221-5236 and we’ll check your coverage and get you scheduled — often the same day. Serving Totowa and Nutley, New Jersey.