FAQ
Common questions about in-home PT after a Florida crash
The questions our intake team answers daily — about coverage, the 14-day rule, scheduling, what a visit actually looks like, and how referring physicians work with us. If yours isn't here, call us.
Insurance and how care gets paid for
Most cost questions trace back to auto insurance. Here's how it works in practice for our patients.
- Does auto insurance cover in-home physical therapy?
- Yes. Auto insurance doesn't restrict the setting of care — outpatient clinic, hospital outpatient, or in-home are all reimbursable when the PT is medically necessary and the patient was seen by a qualifying medical provider within 14 days of the crash.
- What is the 14-day rule, exactly?
- Florida law requires anyone injured in a Florida auto accident to be seen by a qualifying medical provider within 14 days of the crash. Missing that window can end coverage for crash-related care. The initial care must come from an MD, DO, dentist, PA, ARNP, or hospital — not from a PT alone.
- What insurance do you bill?
- We bill your auto insurance for crash-related care. We do not bill regular health insurance or Medicare.
- What happens if coverage runs out before treatment is done?
- We discuss options with the patient before any further treatment continues — there is no surprise billing.
- Do I owe money out of pocket during treatment?
- When auto insurance coverage is in place, there is typically no out-of-pocket payment from the patient during active treatment.
- Do you help patients understand their coverage?
- Yes. Florida auto insurance has rules that are easy to miss, like the 14-day requirement. Our intake team explains what applies to each patient and stays with them through treatment so nothing gets missed.
- What is HB 837 and does it affect my case?
- HB 837 is a 2023 Florida statute that reduced the statute of limitations for most personal-injury lawsuits from four years to two years. It makes timely documentation of injury and treatment more important than it used to be.
Scheduling, coverage, and getting started
Logistics are the single biggest reason crash patients don't finish PT. Here's how the in-home model removes them.
- How quickly can I be seen after a referral?
- Patients are typically seen at home or at their workplace within 48 hours of a complete referral.
- Where in Florida do you provide care?
- We treat patients in 50+ Florida counties. Our clinicians — Florida-licensed physical therapists — cover every major metro and most rural communities across the state. If your ZIP isn't on a service-area page yet, intake can confirm coverage during the referral call.
- Do I need transportation?
- No. That's the point of in-home PT. A licensed physical therapist drives to you — at home or at your workplace, whichever is more convenient — with all the equipment needed for the visit.
- What if I live in a high-rise, condo, or gated community?
- We treat in high-rises, condos, gated communities, multi-family housing, and standard single-family homes. We coordinate building access, front-desk sign-in, or gate clearance ahead of each visit.
- Can the same therapist see me throughout my treatment?
- We assign a primary therapist per case and maintain continuity for the full episode of care. Continuity is something referring physicians specifically ask for — it improves outcomes and the quality of the discharge summary.
What to expect from in-home PT
What an evaluation looks like, what the therapist actually does, and how long care usually lasts.
- What happens during the first visit?
- The therapist conducts a full evaluation — history of the crash, current symptoms, range of motion, strength, balance, neurologic screen, and functional movement. You'll leave the visit with a treatment plan, starting interventions, and a home exercise program tailored to your space.
- How long is each visit?
- Typical visits are 45 to 60 minutes. Initial evaluations run slightly longer. The therapist works around your schedule — evenings and weekend slots are available in most regions.
- How many visits will I need?
- It depends on the injuries. Most after a crash cases involve 8 to 24 visits over 4 to 12 weeks, with frequency tapering as you progress. Your therapist reassesses progress regularly and adjusts the plan of care.
- Is it safe to start PT while I'm still in significant pain?
- Yes, when delivered by a licensed clinician who calibrates intensity to your symptoms. Early PT is gentle — pain-modulated mobility, manual therapy, and graded exposure — and typically reduces pain rather than aggravating it. The CDC and the American College of Physicians recommend non-drug treatments like PT as a first-line option for musculoskeletal pain.
- Can family members or caregivers be involved?
- Yes. One of the advantages of in-home care is direct family involvement — caregivers learn the home exercise program alongside the patient and can support safe movement between visits.
- Do you have Spanish-speaking therapists?
- Yes. We have English- and Spanish-speaking therapists across Florida. Let our intake team know which you prefer and we will match you accordingly.
- What if the patient wasn't in a car — do you treat other injuries?
- Yes. We treat other personal-injury and post-surgical patients as well, not only auto-accident cases. Call our intake team and we will confirm whether we can take the case and how it would be billed.
For physicians and discharge planners
Referral pathway, documentation standards, and reporting cadence for partners.
- What records do referrers receive?
- An intake confirmation, the initial evaluation report, periodic progress notes, the discharge summary, and full records production with a custodian affidavit on request. Most referrers also receive a copy of every reassessment.
- Do you coordinate with the treating physician?
- Yes. We follow the referring provider's protocol when one is specified, return all reports to their office on the same cadence an outpatient clinic would, and contact the office directly when symptoms change.
- What's your cancellation and no-show policy?
- Cancellations and reschedules are documented at the time of each visit in the chart, including the reason. We re-engage patients quickly and flag attendance concerns to the referring physician's office before they affect outcomes.
Florida-licensed physical therapists covering 50+ counties in Florida.
Our clinicians reach major metros and rural communities alike — from the Panhandle to the Keys. Patients are typically seen at home or at their workplace within 48 hours of a complete referral.
- Clinicians on our team
- Statewide
- Florida counties covered
- 50+
Still have questions?
Our intake team is available Monday–Friday and answers most coverage and scheduling questions in a single call.