An injury to the upper extremities—such as the hand, wrist, or elbow —can disrupt your life without warning. Tasks you rely on every day—working, driving, gripping, typing, or lifting—can suddenly become painful or nearly impossible. Acting promptly is critical, yet many people put off care, allowing symptoms to worsen and recovery to take longer than it should.
When pain starts affecting your everyday routine, one of the first questions patients ask is, “How much will my insurance cover?” Unfortunately, uncertainty about coverage and concerns over out-of-pocket costs are also major reasons many people postpone treatment—often resulting in unnecessary pain, prolonged suffering, and complications with claim approvals. Early evaluation not only supports better outcomes but also ensures accurate documentation for insurance purposes from the start.
At FORM Hand Therapy, we know how important it is to get back to your job, hobbies, daily activities, and sports as quickly as possible after an injury. Unfortunately, the first step toward that goal is understanding your insurance options and how they can help cover the care and resources you need. In the sections below, we’ll break down their coverage in detail and provide practical tips to guide you through the process smoothly and with ease.
Tips for Navigating Insurance Coverage for Hand, Wrist, and Elbow Injuries
- Verify Your Coverage: Most health plans cover medically necessary treatments for hand, wrist, and elbow concerns, including office visits, diagnostic imaging, and hand therapy. To avoid surprises, it’s always best to confirm coverage directly with your insurance provider. For a complete list of the plans we accept, click the link here.
- Obtain Prior Authorization: Before starting any treatment, our team handles all necessary prior authorizations, which can take up to 3 days following your appointment to ensure your care proceeds smoothly and without delays.
- How the Injury Occurred: Understanding the cause of your injury is a crucial first step in determining which type of insurance coverage is likely to apply.
- Auto Insurance (PIP): If your injury occurred during a car accident, your auto insurance—through Personal Injury Protection (PIP)—may help cover your medical care, often regardless of fault, including initial evaluations, ongoing treatment, and rehabilitation services.
- Workers’ Compensation: Injuries that take place on the job or develop over time due to work-related activities can qualify for workers’ compensation benefits. It’s important to report work-related injuries promptly to prevent complications and ensure your request isn’t denied.
- Liability or Third-Party Claims: When someone else’s negligence causes you harm—such as in a slip and fall accident—your treatment could be covered through a liability claim. In many cases, care can continue while the claim is being processed, allowing you to focus on recovery without interruption.
Get Expert Treatment for Your Injuries at FORM Hand Therapy.
Managing these claims while coping with pain—especially for first-timers—can feel overwhelming. At FORM Hand Therapy in Fremont, we provide advanced non-surgical and surgical solutions for upper extremity injuries, combined with exceptional patient care. Whether you need guidance on coverage and treatment options, assistance verifying benefits, or clarity on out-of-pocket costs like deductibles and co-pays, our team is here to support you every step of the way.
If you’re experiencing hand, wrist, or elbow pain—or have questions about your insurance—don’t wait! Call us at (510) 350-3030 or request a consultation online. We’ll answer your questions, assess your condition, and develop a personalized treatment plan designed to provide lasting relief and help you get back to your normal life.