Using your health insurance
We accept all major insurance plans. That covers most people who walk through our door.
Here is how it works. You give us your insurance information when you book. Before your first visit, we verify your benefits for you. We call, we ask the right questions, and we tell you what we find. No surprises at the front desk.
One thing to know up front. Most plans need a doctor's prescription or referral for physical therapy. If you do not have one yet, ask your primary care doctor, surgeon, or specialist. They can fax it straight to us at (313) 921-6009.
Coverage varies from plan to plan. Deductibles, copays, and visit limits are set by your insurer, not by us. That is exactly why we check first. If your plan needs something special, like a prior authorization, we will let you know what we need from you.
- Bring your insurance card and a photo ID.
- Bring your prescription or referral, or have your doctor fax it ahead.
- Bring any recent X-ray or MRI reports if you have them.
Auto accident care with Michigan no fault
Car accidents are stressful enough. The paperwork should not make it worse.
In Michigan, personal injury protection, or PIP, is the part of your auto policy that usually covers medically necessary, accident related care. That can include physical therapy. And it usually applies no matter who caused the crash.
Since 2020, Michigan drivers choose their own PIP medical coverage level when they buy a policy. So what is covered depends on the policy. Some people have a lot of coverage. Some have less. We check it for you so you are not left guessing.
Timing matters. Generally, you need to notify your auto insurer or apply for benefits within one year of the accident. Do not sit on it. The sooner you report the claim, the smoother things tend to go.
When you come in, bring these with you:
- Your auto claim number.
- Your adjuster's name and phone number.
- The name of your auto insurance company.
- The date of the accident.
- Your doctor's prescription for physical therapy.
- Your photo ID.
We bill the auto insurer directly
Once your claim is set up, we bill the auto insurer directly. You focus on healing. We handle the back and forth.
A quick but important note. We are a physical therapy clinic, not a law office. We do not give legal advice. If you have questions about your rights, your claim, or a dispute with an insurer, talk with your insurance company or an attorney.
Want to know what recovery after a crash actually looks like? Read our auto accident physical therapy page. It covers common injuries, why pain can show up days later, and how we help people get back behind the wheel with confidence.
Paying on your own
Some people would rather skip insurance entirely. Maybe your plan has a high deductible. Maybe you want massage or cupping, which insurance usually does not touch. Maybe you just want to keep it simple.
That is fine with us. Every service has a posted investment, so you know the number before you book. A physical therapy evaluation and treatment is a $70 investment. You can see the investment for massage, cupping, Hijama, muscle scraping, spinal decompression, shockwave therapy, and stretching on our services page.
Massage, cupping, Hijama, scraping, tune ups, and stretching are self pay unless a provider and your insurer confirm otherwise.
For physicians: send us a referral
Doctors and their offices can fax referrals to Thrive at (313) 921-6009. Please include the prescription, any relevant X-ray or MRI reports, and your patient's contact information.
Once we receive it, we reach out to your patient to schedule. We verify their benefits before the first visit so they can start care with a clear picture. If you want to know more about how we treat patients, see our main physical therapy page. Everything a referring office needs is on our physician referral page.
Questions about your coverage?
Call or text us at (313) 429-9079. Tell us who your insurer is and what happened. We will tell you what we need and what comes next. Or tap the Book button to pick a time online and we will verify your benefits before you come in.
