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Does my insurance require a referral?

In many states, Physical Therapists have what is known as ‘direct access’ meaning, patients can legally see a physical therapist┬ádirectly, without referral. However, some insurance companies require referral in order to pay.

A physical therapist in Rhode Island can treat direct access patients when:

  • The therapist receives written consent for treatment from the patient after the therapist has disclosed the scope and nature of physical therapy.
  • Treatment does not continue beyond 90 days. After 90 days, the therapist must obtain a referral from a physician, osteopath, dentist, podiatrist, or chiropractor.
  • The therapist has at least one year of clinical experience.

Each insurance carrier has different requirements. Please call your insurance company prior to your first visit.