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Can a policyholder receive both the Therapy Services benefit ($75) and the Doctor Office Visit benefit ($200) when receiving physical therapy?

Yes. A policyholder may receive both benefits when charges are incurred for both services.

  • The plan pays $200 for each day the policyholder is seen by a physician.

  • The plan pays $75 when the policyholder receives physical therapy services.

How benefits apply:

  • Same day: If the policyholder is seen by a physician and also receives physical therapy on the same day, they can receive both the $200 doctor visit benefit and the $75 therapy benefit.

  • Separate days: If the physician visit and physical therapy occur on different days, the policyholder can still receive the applicable benefit for each service on each day it is provided.

  • Initial evaluation: The initial visit often includes both physician evaluation and therapy services, so both benefits may be payable if both services are billed.

Key takeaway: As long as charges are submitted for both a physician visit and physical therapy, and the services are covered under the policy, the policyholder can collect both benefits—even if they occur on the same day.