It is no secret that suffering from an injury, usually implies rather costly medical care; even more, if your insurance doesn’t cover certain “durable medical equipment”. However, physical therapy can help a lot more and provide long-lasting relief for a fraction of the cost. (Related topic: rotator cuff physical therapy)
When you go to the hospital with an ankle sprain, chances are that the doctors at the emergency room will give you a steel-reinforced brace for the ankle that sustains the injury and send you home. But, what they might not tell you is that that brace may or may not be covered by your insurance, which translates into a rather steep fee that will have to come right out of your pocket.
If you have the chance, once you make it into the emergency room, ask for something less permanent that your insurance can cover. You can request that they refer you to a physical therapist for rehabilitation.
Nowadays, insurers often contract with selected medical supply companies to provide equipment, negotiating rates for other services. As a patient, it’s important to understand that physical therapists and senior payment specialists work with preferred providers, which can come in handy to know when your insurance won’t cover durable medical equipment bought over the counter but can cover a recovery plan under the care of a physical therapist.
To make matters more confusing, hospitals, urgent care centers, and physicians may themselves negotiate with insurers or Medicare to become an approved supplier of medical equipment for their patients, or they may contract with a medical supply company to provide those items. This is why it is so important to study carefully each insurance plan before you choose one.
Either way, an insurance plan that can cover your physical therapy is key to recover from injuries such as a wrist or ankle sprain. Rehabilitation is more effective and its effects are more durable than those that come from immobilization.