FAQ
Common questions about in-home PT after a Florida crash
The questions our intake team answers daily — about PIP, MedPay, 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.
Florida PIP, MedPay, and how care gets paid for
Most cost questions trace back to PIP. Here's how it works in practice for our patients.
- Does Florida PIP cover in-home physical therapy?
- Yes. PIP 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 met the 14-day initial-care requirement under Fla. Stat. §627.736.
- What is the 14-day rule, exactly?
- Florida Statute §627.736 requires anyone injured in a Florida auto accident to receive initial medical care within 14 days of the crash. Miss the window and PIP benefits for that crash are forfeited. The initial care must come from an MD, DO, dentist, PA, ARNP, or hospital — not from a PT alone.
- How much does PIP actually pay for PT?
- PIP reimburses 80% of reasonable and necessary medical expenses up to the patient's available benefits. The full $10,000 limit is only available if a qualifying provider documents an Emergency Medical Condition (EMC); without an EMC, the cap drops to $2,500.
- What insurance do you bill?
- We bill Florida PIP first, then MedPay if the auto policy includes it. PT Near Me does not bill commercial health insurance.
- What happens when PIP runs out before treatment is done?
- When the auto policy includes MedPay, we bill that next. If PIP and MedPay are both exhausted, 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?
- Under PIP and MedPay, there is typically no out-of-pocket payment from the patient during active treatment.
- 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?
- Most patients are scheduled for an in-home evaluation within 48 hours of a complete referral. Urgent post-discharge cases are prioritized for same-day visits when the referral reaches us before noon.
- Where in Florida do you provide care?
- We treat patients in 35+ Florida counties. Our clinician network — 500+ licensed physical therapists — covers 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 Doctor of Physical Therapy drives to your home 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 post-MVA 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.
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 contemporaneously 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.
500+ Physical Therapists covering 35+ counties in Florida.
Our clinician network reaches major metros and rural communities alike — from the Panhandle to the Keys. If a patient is in a highlighted county, we can usually see them at home within 24–72 hours of intake.
- Clinicians in network
- 500+
- Florida counties covered
- 35+
Still have questions?
Our intake team is available Monday–Friday and answers most coverage and scheduling questions in a single call.