FAQs

Appointments

Please dress comfortably for your visits. If you are being evaluated for a knee or shoulder injury, you may want to wear a t-shirt or shorts. If you have an aquatic therapy appointment, please bring your swimsuit and non-slip water shoes. For your convenience, locker rooms with showers are available for all therapy patients.

Please arrive 10 – 15 minutes before your scheduled appointment. We are a healthcare facility so we do require some pesky paperwork to be filled out.

In addition, please bring your insurance card(s), state ID, a list of the medications you are currently taking and your doctor’s referral or prescription.

Memberships

SilverSneakers is a fitness and wellness program offered at no additional cost to seniors 65 and over on eligible Medicare Advantage plans.

At Carter Rehabilitation & Aquatic Centers, SilverSneakers members have access to Free Weights, Weight Machines, Cardio Machines, Locker Rooms with Shower, and Guest WiFi at no charge.

If you are a SilverSneakers member and would like to use the pool or attend aquatic classes, there is a $30.00 charge for 9 visits. No long term commitment.

Renew Active® is a fitness program available at no additional cost, exclusively from UnitedHealthcare® Medicare Plans

At Carter Rehabilitation & Aquatic Centers, Renew Active® members have access to Free Weights, Weight Machines, Cardio Machines, Locker Rooms with Shower, and Guest WiFi at no charge.

If you are a Renew Active® member and would like to use the pool or attend aquatic classes, there is a $30.00 charge for 9 visits. No long term commitment.

Insurance

Below is a list of major insurance plans we accept. If you do not see your insurance plan listed below, please MESSAGE US or give us a call (Adrian, MI: (517) 265-6007 | Tecumseh, MI: (517) 423-7722)

  • Workers Compensation
  • Medicaid
  • Medicare
  • AARP
  • Aetna
  • American Specialty Health
  • Surest (United Healthcare)
  • Blue Care Network
  • Blue Cross Blue Shield
  • Cigna
  • FrontPath
  • HAP (Health Alliance Plan)
  • HealthSCOPE
  • Humana
  • Lutheran Preferred
  • McLaren Health Plan
  • Medical Mutual
  • Meridian Health Plan
  • Paramount
  • Partners Direct Health
  • Priority Health
  • Theramatrix
  • Tricare
  • United Healthcare

The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.

After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

  • Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.
  • Some plans have separate deductibles for certain services, like prescription drugs.
  • Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.

Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.

Source: HealthCare.gov

A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit is $20.

  • If you've paid your deductible: You pay $20, usually at the time of the visit.
  • If you haven't met your deductible: You pay $100, the full allowable amount for the visit.

Copayments (sometimes called "copays") can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.

Generally plans with lower monthly premiums have higher copayments. Plans with higher monthly premiums usually have lower copayments.

Source: HealthCare.gov

The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.

Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.

  • If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
  • If you haven't met your deductible: You pay the full allowed amount, $100.

Source: HealthCare.gov

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.

The out-of-pocket limit doesn't include:

  • Your monthly premiums
  • Anything you spend for services your plan doesn't cover
  • Out-of-network care and services
  • Costs above the allowed amount for a service that a provider may charge

Source: HealthCare.gov

Billing