Altitude Physical Therapy accepts most major insurance plans, including:

  • Aetna
  • Altius
  • Auto
  • Blue Cross
  • Blue Shield
  • Bright Path
  • ChampVA
  • Cigna
  • EBMS
  • First Choice Health
  • Humana
  • IPN
  • Medicaid
  • Medicare/Medicare Supplemental
  • Medicare HMO (Ex. True Blue, Secure Horizons, Well Care)
  • Pacific Source
  • Principal
  • Tricare
  • Workers' Comp.

If you don't see your insurance plan listed here, please call Deborah Gangitano at (208) 454-9839 or email her at

Glossary of Essential Health Insurance Terms

Here is a collection of commonly used terms when talking about healthcare coverage and payments.

Allowed Amount - Maximum amount insurer will pay for covered healthcare services. If provider is not in Network and the charge is higher than this amount, patient may be billed for the difference.

Health Insurance - A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium paid by patients. Health insurance can be provided by private compa nies or government programs.

Benefits - Services that are covered under a health insurance policy.

High-deductible health plan (HDHP) - A health insurance plan with lower premiums and higher de ductibles than a traditional health plan.

Coinsurance - The patient share of the costs of a cov ered healthcare service, calculated as a percent (for example, 20%) of the allowed amount for the service.

In Network - The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services, usually at a discounted rate.

Copay - A fixed amount paid by the patient for a covered healthcare service, usually when service is received. The amount can vary for primary care and specialty care.

Out of Network - The facilities, providers and suppli ers that are not contracted with your health insurer and do not offer discounted rates. Deductibles may be higher.

Deductible - The amount a patient must pay for healthcare services before the health insurance plan begins to pay for services received. Some services do not require the deductible be met, such as some preventative services.

Patient Responsibility - The total amount due from the patient for services received from a healthcare provider.

Explanation of Benefits (EOB) - A statement sent by the health insurer to patients after the visit explaining what portion of the medical treatment or services were covered. This usually is not a bill.

Premium - The amount the patient and/or employer must pay for a health insurance policy or plan.

For more terms, visit