Farmington Valley Physical Therapy participates in most major health plans in Connecticut. Please contact us if you do not see your insurance plan on this list. 


(including but not limited to)
State of Connecticut
VA Health Care


Health New England
Health Net
Health Strategies
Managed Health Network
Multiplan Managed Care
Northeast Health Direct
Occupational Health Services
Olsten Health Care
One Health Plan of Southern New England
Private Health Care Systems (PHCS)
United Healthcare
United Payors & United Providers 

Blue Cross
Connecticut Health Plan
Franklin Health Plan
Harvard Pilgrim
Healthcare Compare / Affordable Health / First Health
Health Care Value Management
Health Direct
Health Management Center

Don't see your health plan? Call us to see if we participate in your insurance plan.


Blue Care Family Plan
Community Health Network
Health Net


MasterCare of Connecticut


Insurance Frequently Asked Questions
How do I know if my health plan includes Farmington Valley Physical Therapy?
FVPT participates in most major health plans in Connecticut. In addition, please review your health plan provider directory and/or consult with your health plan to confirm coverage. 

How will FVPT know which health plan I participate in?
Please bring your current health plan identification card when you register for physical therapy at FVPT. We will confirm coverage before you begin treatment with us.

What is the difference between an HMO and a PPO?
Health Maintenance Organizations (HMOs) require a patient to select a Primary Care Physician to coordinate his or her care. Most HMOs provide care through a network of hospitals, doctors and other medical professionals, that as a patient, you must use to be covered for that service.  Preferred Provider Organizations (PPOs) provide care through a network of hospitals, doctors and other medical professionals. When patients utilize health care providers within the network, they receive a higher benefit and pay less money out of their pocket. Services received by a non-participating hospital or doctor may still be covered, but often at a reduced benefit level.

What does "in-network" and "out-of-network" mean?
If you receive your health care services from a hospital, physician or other health care provider that participates in your health plan, they are often referred to as "in-network." Hospitals, physicians or other health care providers who do not participate in your health plan may be referred to as "out-of-network."  

How do I know if my health plan requires a referral or pre-certification for physical therapy? 
In the state of Connecticut, most private insurance plans (insurance you receive through your employer) will allow you direct access to physical therapy services without a referral from a physician or other provider. Medicare and other government health insurance plans require a referral. If you are not sure what type of insurance plan you can, please give us a call and we will be able to help you determine whether or not you need a referral.

What should I do if my health plan includes FVPT as a participating provider, but I receive an explanation of benefits stating I am out-of-network?
Call FVPT at (860) 673-0223 and we will help you sort it out.

Where can I find information about Medicare?
Go to This website is managed by the Centers for Medicare & Medicaid Services to aid consumers with questions regarding Medicare

What if I have questions on my bill?
If you have questions about your FVPT bill, or feel that it is incorrect, call (860) 673-0223 during business hours. Please have the Patient’s name, date of birth, and the services listed on the bill ready when you call. You can also e-mail your questions to us.