{"id":10917,"date":"2025-12-15T19:42:35","date_gmt":"2025-12-15T17:42:35","guid":{"rendered":"https:\/\/work-with-care.nl\/physical-therapy-reimbursements-what-about-health-insurance\/"},"modified":"2025-12-23T17:09:35","modified_gmt":"2025-12-23T15:09:35","slug":"physical-therapy-reimbursements-what-about-health-insurance","status":"publish","type":"post","link":"https:\/\/work-with-care.nl\/en\/physical-therapy-reimbursements-what-about-health-insurance\/","title":{"rendered":"Physical therapy reimbursements: what about health insurance?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10917\" class=\"elementor elementor-10917 elementor-10885\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d00003d e-flex e-con-boxed e-con e-parent\" data-id=\"d00003d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-09fec7d e-con-full e-flex e-con e-child\" data-id=\"09fec7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-370a657 elementor-widget elementor-widget-text-editor\" data-id=\"370a657\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A common question we receive is &#8220;Will my physical therapy be covered?&#8221; The answer is not always simple, because it depends on different factors such as your age, the nature of the complaint, whether you have had surgery, whether or not you need a referral and your insurance package.   <br>So because it is not always easy to know whether your physical therapy is covered, we have tried to list everything as clearly as possible. We would like to add that it is always your own responsibility to know how you are insured. So always double check with your insurance company. But of course we are happy to lend a hand!   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdc8f69 elementor-widget elementor-widget-heading\" data-id=\"fdc8f69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Article content<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c17dbc6 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c17dbc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#wanneer-wordt-fysio-vergoed\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">When is physical therapy covered or not covered<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#vergoedingen-kinderen-jongeren-tot-18-jaar\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Children and adolescents up to 18 years of age<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#chronische-indicaties\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Chronic indications  <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#fysiotherapie-na-operatie\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Physical therapy after surgery<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#copd-en-reumatoide-artritis\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">COPD and rheumatoid arthritis<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#artrose-heup-knie\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Osteoarthritis of the hip\/knee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#fysiotherapie-aan-huis\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Physiotherapy at home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#contract-zorgverzekering\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Why a contract with health insurance is important<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#praktische-tips\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Practical Tips: What can you do yourself?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#vragen\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Questions about your compensation?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b99220 elementor-widget elementor-widget-menu-anchor\" data-id=\"3b99220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"when-is-physio-reimbursed\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46b94bd elementor-widget elementor-widget-heading\" data-id=\"46b94bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">When is physical therapy covered or not covered<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bfd5c2 elementor-widget elementor-widget-text-editor\" data-id=\"6bfd5c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Physical therapy is not standard in the basic insurance for adults. That means that for many complaints, you pay for them yourself or need supplemental insurance. But there are exceptions  <\/p><ul><li><strong>Not compensated under the basic insurance<\/strong>: For &#8216;normal&#8217; complaints, such as a pulled muscle, back or neck pain or a sports injury, the reimbursement depends on the number of treatments in your supplementary insurance. Don&#8217;t have supplementary insurance or have you run out of reimbursement? Then you pay for the treatments yourself.<br>No referral is needed for these complaints and you can make an appointment with the physiotherapist directly.  <\/li><li><strong>Is reimbursed from the basic insurance<\/strong>: For children under 18 years and for specific, long-term conditions with a chronic indication, the treatments are directly reimbursed by the basic insurance.<br>Some chronic conditions or after certain operations such as a knee or hip prosthesis or a hernia operation is from the <sup>21st<\/sup><br>Children and adolescents without a chronic indication do not need a referral to make an appointment with the physiotherapist. Chronic conditions do require a referral. <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac1cbd elementor-widget elementor-widget-menu-anchor\" data-id=\"3ac1cbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"fees-children-youngpeople-until-18-years-old\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83b741a elementor-widget elementor-widget-heading\" data-id=\"83b741a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reimbursement physiotherapy children and adolescents up to 18 years of age  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe826a elementor-widget elementor-widget-text-editor\" data-id=\"7fe826a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Children and adolescents under 18 are reimbursed for 9 treatments per complaint per year. Are more treatments needed? Then insurance may reimburse another 9 treatments. It depends on the health insurance and the policy whether they do so. So always check carefully with your insurance company.    <\/p><p>Need additional treatments after that? These then come from the parents&#8217; supplementary insurance or must be paid for by yourself. <\/p><p>If the child has a chronic indication, all treatments are covered.<\/p><p>There is no deductible for children and adolescents under the age of 18.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f309a76 elementor-widget elementor-widget-menu-anchor\" data-id=\"f309a76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"chronic-indications\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d7872b elementor-widget elementor-widget-heading\" data-id=\"7d7872b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chronic indication<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37323a8 elementor-widget elementor-widget-text-editor\" data-id=\"37323a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some conditions are on the so-called Chronic list (also called list Borst). Examples of chronic indications are: <\/p><ul><li>A stroke (CVA)<\/li><li>COPD (at certain severity)<\/li><li>MS<\/li><li>Rheumatoid arthritis<\/li><li>Osteoarthritis of the hip\/knee<\/li><li>Rehabilitation after surgery on e.g. a joint<\/li><\/ul><p><br>The chronic indication determines in which claim code it falls and whether your treatments are (partially) reimbursed from the basic insurance and also for how long. It may seem a bit cryptic now, but later it will become clear why we name these codes. <\/p><p>Common claim codes for chronic indications are:<\/p><ul><li><strong>008 <\/strong>: the first 20 treatments for a chronic indication, such as MS, CVA or after orthopedic surgery. These treatments are reimbursed from the supplementary insurance and\/or are self-paid.<br>For example, if you get 9 treatments reimbursed from your supplementary insurance, you pay the remaining 11 treatments yourself. <\/li><li><strong>001<\/strong>: from the <sup>21st<\/sup> treatment (after the 20 treatments in code 008) unlimited number of treatments are reimbursed from the basic insurance. The health insurance company determines on the basis of the chronic indication how long this code is valid. <\/li><li><strong>012 <\/strong>: 12 treatments per 12 months are reimbursed from the basic insurance. Other treatments within that year go from the supplementary insurance or are at your own expense. <\/li><li><strong>022 <\/strong>: From the first treatment, these are reimbursed under the basic insurance. This entitlement code has no fixed end date or limited duration. <\/li><\/ul><p><em><br>Please note<\/em> that these treatments reimbursed by basic insurance are then covered by the annual deductible.<\/p><p>View the <a href=\"https:\/\/www.zorginstituutnederland.nl\/verzekerde-zorg\/f\/fysiotherapie-en-oefentherapie-zvw\/lijst-van-chronische-aandoeningen\" target=\"_blank\" rel=\"nofollow noopener\">list of all chronic conditions<\/a> here.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aa7c3d elementor-widget elementor-widget-menu-anchor\" data-id=\"2aa7c3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"physiotherapy-after-surgery\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-981df24 elementor-widget elementor-widget-heading\" data-id=\"981df24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Physical therapy after surgery  <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f56613 elementor-widget elementor-widget-text-editor\" data-id=\"7f56613\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sometimes physical therapy can provide good support during rehabilitation after surgery. Especially with orthopedic surgery, it is sometimes even crucial to rehabilitate through physical therapy to ensure a full recovery. With knee surgery such as cruciate ligament surgery or knee replacement, it is desirable to start physical therapy as early as 2-3 days after surgery. After hip surgery, it is between 2 and 5 days.   <\/p><p><strong>Reimbursement<br><\/strong><em>The first 20 treatments fall under claim code 008.<\/em><strong><br><\/strong>These treatments are reimbursed from your supplementary insurance and\/or are at your own expense.<\/p><p><em>From the <sup>21st<\/sup> treatment onwards, the treatments fall under code 001.<\/em><strong><br><\/strong>These treatments are reimbursed from the basic insurance.<\/p><p><strong>Excess<br><\/strong>As long as you have not yet used up your excess, it will be used from the <sup>21st<\/sup> treatment.<\/p><p><strong>Referral<br><\/strong>A referral is required to be within this code. Often after surgery, the chronic indication is valid for one year from the date of the referral. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce229d6 elementor-widget elementor-widget-menu-anchor\" data-id=\"ce229d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"copd-andrheumatoidarthritis\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50de496 elementor-widget elementor-widget-heading\" data-id=\"50de496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">COPD and in rheumatoid arthritis<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fc6ae8 elementor-widget elementor-widget-text-editor\" data-id=\"6fc6ae8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>COPD from GOLD stage 2 and up (some health insurances require that the treated physiotherapist is in the Chronic Care Network to be reimbursed, this is NOT the case with us. Therefore, an additional check is important) and rheumatoid arthritis with severe functional limitations fall under chronic code 022 due to medical necessity.<\/p><p><strong>Reimbursement<br><\/strong>These treatments are reimbursed directly from the<sup>1st<\/sup> treatment by the basic insurance and there is no limited number of treatments.<\/p><p><strong>Deductible<br><\/strong>However, the annual deductible is used here if you haven&#8217;t already passed it.  <\/p><p><strong>Referral<br><\/strong>Yes, a referral is required to use this entitlement code.<\/p><p>For less severe COPD and rheumatoid arthritis, no referral is needed for physical therapy. In that case, treatments are declared in code 009 and are paid for out of supplementary insurance or self-pay. <\/p><p>Ask your own doctor for advice if you are unsure if you have a chronic indication with this complaint, this doctor can also give the referral right away.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcff59d elementor-widget elementor-widget-menu-anchor\" data-id=\"fcff59d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"osteoarthritiship-knee\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b6edea elementor-widget elementor-widget-heading\" data-id=\"6b6edea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Osteoarthritis of the hip\/knee  <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5e551 elementor-widget elementor-widget-text-editor\" data-id=\"fc5e551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Reimbursement<br><\/strong>You will be reimbursed for 12 treatments per 12 months from the basic insurance, per side. If you have more than 12 treatments in that year, you come under code 009 and pay for them yourself or from the supplementary insurance. <\/p><p>If the indication is determined again after one year, you will come back into code 012 and again be reimbursed for 12 treatments in 12 months.<\/p><p><strong>Deductible<br><\/strong>The treatments paid for from the basic insurance are subject to the deductible.<br>At Salland and at VGZ (from 2026) there is a deductible.<\/p><p><strong>Referral<br><\/strong>This varies by insurance company. Some health insurance companies require a referral while others do not. <\/p><p>What applies to you can be checked with your health insurance company.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b881ad elementor-widget elementor-widget-menu-anchor\" data-id=\"5b881ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"physiotherapy-at-home\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8677eec elementor-widget elementor-widget-heading\" data-id=\"8677eec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Physiotherapy at home<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9346269 elementor-widget elementor-widget-text-editor\" data-id=\"9346269\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sometimes it is not possible to come to the practice for physical therapy. For example, after hip surgery or surgery for a knee replacement. In that case, we also offer physical therapy at home.  <\/p><p>This does require a referral from the general practitioner or medical specialist. Otherwise, these treatments will not be covered by insurance. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42cc961 elementor-widget elementor-widget-menu-anchor\" data-id=\"42cc961\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"contracthealthinsurance\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05f6489 elementor-widget elementor-widget-heading\" data-id=\"05f6489\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why a contract with health insurance is important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-274059a elementor-widget elementor-widget-text-editor\" data-id=\"274059a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you want to be sure that all treatments covered by the supplementary insurance and\/or basic insurance will be fully reimbursed. Is it important that the practice has a contract with your health insurance company. <\/p><p><strong>Refund policy<br><\/strong>If the physical therapist has no contract, you will first have to pay the bill yourself to the practice. Then you can submit it to your health insurance, only then the reimbursement is usually not 100%. This is called a restitution policy.  <\/p><p><strong>Difference in cost<\/strong> <strong>between private amount and health insurance amount<br><\/strong>Sometimes we get the question why the cost of a treatment is different when it is reimbursed by the insurance as when the treatment has to be paid by yourself. A very understandable question of course and we are happy to explain. <\/p><p>When a physical therapy practice enters into a contract with an insurance company, the health insurance company determines the amount they pay per treatment. Therefore, that amount can also vary by insurance company. <\/p><p>In addition, there are practice rates. These are market-based rates for a physical therapy practice that are applied to private bills. Thus, these are different rates than insurance rates.  <\/p><p>Some physical therapy practices deliberately do not have a contract with certain health insurers. This is usually due to low reimbursements and additional requirements from the insurer, making it difficult to continue to provide good care at a fair price. <\/p><p>We have deliberately chosen not to distinguish between health insurance companies. Thus, we work with all companies and physiotherapy from your supplementary insurance or from the basic insurance will be reimbursed as long as you are entitled to it according to your policy. <\/p><p>It does mean that once the supplementary reimbursement runs out, there is a difference between the amount the health insurance pays for treatment and our practice fee, which you have to pay yourself when your treatments are no longer reimbursed by the health insurance.<\/p><p>This is normal practice in physical therapy: the amount of reimbursement and the number of reimbursed treatments are always determined by the health insurance company and the policy conditions, not by us as a practice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-882b412 elementor-widget elementor-widget-menu-anchor\" data-id=\"882b412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"practical-tips\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9f5fd8 elementor-widget elementor-widget-heading\" data-id=\"e9f5fd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Practical Tips: What can you do yourself?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74117c elementor-widget elementor-widget-text-editor\" data-id=\"c74117c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Check your health insurance before you start.<br>Pay special attention:<\/li><\/ol><ul><li style=\"list-style-type: none;\"><ul><li>How many treatments will you be reimbursed for?<\/li><li>Does it apply from basic insurance, supplemental insurance or both?<\/li><li>Do you have to use up your deductible first?<br><br><\/li><\/ul><\/li><\/ul><ol start=\"2\"><li>Ask if the practice is contracted with your health insurance company.<br>(Work With Care contracts with every health insurance company)<br><br><\/li><li>Keep track of the number of treatments or your term of your chronic indication yourself.<br>That way you won&#8217;t be surprised when your health insurance reimbursement runs out.<br><br><\/li><li>Unsure if you have a chronic indication? Consult with your specialist doctor, family doctor or physical therapist. <\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0dca3 elementor-widget elementor-widget-menu-anchor\" data-id=\"4f0dca3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"questions\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62bf7f2 elementor-widget elementor-widget-heading\" data-id=\"62bf7f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Questions about your compensation?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d928187 elementor-widget elementor-widget-text-editor\" data-id=\"d928187\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Please feel free to <a href=\"https:\/\/work-with-care.nl\/en\/contact\/\">contact<\/a> us! We are happy to help you clarify your situation and what your insurance will cover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-073366e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"073366e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dac9d05 e-con-full e-flex e-con e-child\" data-id=\"dac9d05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In this article, we explain step by step what is and is not reimbursed, so you know exactly where you stand. That way you avoid surprises with your health insurance company. <\/p>\n","protected":false},"author":13,"featured_media":10890,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[41,39],"tags":[],"class_list":["post-10917","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en","category-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/posts\/10917","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/comments?post=10917"}],"version-history":[{"count":0,"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/posts\/10917\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/media\/10890"}],"wp:attachment":[{"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/media?parent=10917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/categories?post=10917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/work-with-care.nl\/en\/wp-json\/wp\/v2\/tags?post=10917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}