At The Hetrick Center, we believe in making your healthcare experience as smooth and stress-free as possible. From chiropractic care and physical therapy to aquatic therapy and massage therapy, our integrated approach to wellness is designed to help you feel your best.
But let’s be honest — figuring out your insurance coverage can feel like learning a new language. That’s why we’ve put together this guide to help you understand how insurance works for the services we offer, including the benefits of Direct Access for physical therapy.
We Accept Most Major Insurance Plans
We are in-network with many major insurance providers, including but not limited to:
- Highmark
- Aetna
- Capital Blue Cross
- Medicare
- United Healthcare
- UPMC
- Geisinger
- Blue Cross Blue Shield
- Cigna
- UMR
- Humana
- Trustmark
- Coresource
- Central PA Teamsters
- VA
We also accept Workers’ Compensation and Auto Insurance. If you would like to verify if your plan is accepted or learn more about your coverage, our friendly billing specialists are here to help — just call 717-944-2225.
You can find more details on our accepted plans here: Insurance & Billing Information
Understanding Insurance Basics
When it comes to using your insurance, there are a few key terms you’ll hear:
- Copay – A fixed amount you pay at each visit.
- Coinsurance – The percentage of the cost you’re responsible for after meeting your deductible.
- Deductible – The amount you must pay out-of-pocket before your insurance begins covering services.
- Out-of-Pocket Maximum – The most you’ll pay during a plan year; once you reach it, insurance covers 100% of covered services.
At The Hetrick Center, deductible, coinsurance, and copayment amounts are due at the time of service. Any balance not covered by insurance will be your responsibility.
Direct Access to Physical Therapy — No Script Needed (for Most Plans)
Did you know that in Pennsylvania, most insurance companies allow you to see a physical therapist without a referral from your primary care provider? This is called Direct Access.
With Direct Access, you can begin treatment right away for up to 30 days without needing a physician’s script — saving you time and helping you start your recovery sooner.
Learn more about how Direct Access works here:
- Direct Access at The Hetrick Center
- Understanding Physical Therapy Direct Access: What You Need to Know
Our Insurance Support Team Is Here for You
Insurance can be complicated, but you don’t have to figure it out alone. Our full-time insurance specialists are available Monday through Friday, 8 AM to 5 PM, to answer questions about your coverage, benefits, or any bills you receive.
We also offer the convenience of online bill payment through the green “Pay My Bill” button on our homepage.
Our Cancellation & No-Show Policy
We understand that life happens — but last-minute cancellations and no-shows can prevent other patients from getting care. That’s why we have a clear policy to ensure fairness and keep our schedule running smoothly.
You can review our full cancellation and no-show policy here: Cancellation Policy
CareCredit — Flexible Payment Options for Your Care
We understand that healthcare expenses can sometimes be unexpected. That’s why The Hetrick Center proudly accepts CareCredit as a payment option.
CareCredit works like a healthcare credit card, allowing you to pay for your treatments over time with special financing options (subject to credit approval). It can be used for services like chiropractic care, physical therapy, aquatic therapy, and massage therapy.
If you’d like to learn more about CareCredit or apply online, visit www.carecredit.com — or ask our front desk team for details at your next appointment.
A Final Note
Our mission at The Hetrick Center is to provide high-quality, integrated care that fits your needs and helps you reach your health goals. Whether you’re coming in for chiropractic adjustments, physical therapy, aquatic therapy, or massage therapy, we’re committed to making your care accessible and your insurance process as stress-free as possible.
For questions about coverage or to book your next appointment, call us at 717-944-2225 or fill out this form
