Cigna Physical Therapy in Totowa & Nutley, NJ

In-network physical therapy for Cigna members.

Is Cigna Accepted Here?

Yes. Expert Rehabilitation Group is an in-network physical therapy provider with Cigna at both our Totowa and Nutley, New Jersey clinics.

Cigna members are seen at both our Totowa and Nutley clinics at in-network rates, including members covered through employer group plans and Cigna marketplace products.

What Being In Network Actually Means

Being in network means we have a contracted rate with the carrier, so you pay your plan’s in-network cost share rather than out-of-network rates. It does not mean every service is automatically covered or unlimited — coverage still depends on your individual plan, your deductible, and any visit limits or authorization rules it carries.

We treat orthopedic and musculoskeletal conditions exclusively: orthopedic physical therapy, post-surgical rehabilitation, spine care, and injury rehabilitation at our Totowa and Nutley clinics.

Cigna Open Access and PPO Plans

Cigna’s most common commercial products in New Jersey are Open Access Plus and PPO plans, both of which generally allow you to begin physical therapy without going through a primary care physician first.

Cigna plans commonly apply an annual visit maximum to physical therapy, and in many plans therapy visits apply toward your deductible before coinsurance begins. If you are early in your plan year, that is worth understanding before you start so the cost does not surprise you.

Do You 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.

That is the law. Your insurance contract is separate — some plans still require a referral in order to pay, even though one is not required to treat. Confirming that distinction for your specific plan is part of what we check when we verify your benefits.

Cigna Open Access and PPO plans typically do not require a referral. Some Cigna HMO and Medicare Advantage products do, and certain plans require authorization after an initial block of visits.

We Verify Your Benefits Before You Start

Before your first visit our bilingual staff contacts your plan directly and confirms your physical therapy benefits — whether a referral is required, how many visits are authorized, and what your copay or deductible responsibility will be. You will know your costs before treatment starts, not after.

Have your member ID card handy and call (973) 221-5236.

You can also see every plan we participate with on our in-network insurance page.

Check Your Cigna Coverage

Call or text (973) 221-5236 with your member ID card, or contact us online. We will confirm your benefits and get you scheduled — often the same day. Totowa and Nutley, New Jersey.