301-262-5852 301-498-2212 410-308-3543 410-833-5300
  • Insurance and Patient Policies

    Insurance and Patient Policies by Chesapeake Bay Aquatic & Physical Therapy

    Insurance and Patient Policies

    Find out More About our Insurance and Patient Policies at Chesapeake Bay Aquatic & Physical Therapy in Maryland. Call us to Schedule an Appointment Today0.

    To schedule an appointment, please call our office between 7:00 am to 8:00 pm, Monday through Thursday, 7:00 am to 6:30 pm Friday. At that time, we will ask you to explain the nature of your visit so that we may allow the appropriate amount of time for your appointment. Please have your insurance information available.

    Cancellation and Missed Appointments

    If, for any reason, you cannot keep your scheduled appointment, please call your particular CBAY clinic with at least 24 hours notice. We reserve the right to charge for missed appointments or appointments canceled with less than 24 hours notice. If a patient misses two consecutive appointments (no shows), the therapist reserves the right to discharge you.

    Financial Policy & Agreement

    Thank you for selecting Chesapeake Bay Aquatic & Physical Therapy as your physical therapy provider. Our commitment is to provide the very best healthcare to our patients. The responsibility for payment of fees for these services is the direct obligation of the patient. Any financial payment you may receive from private insurance or government agencies is a matter strictly between you and the insurance carrier or government agency. You must realize that your health benefit plan is an arrangement between you, the enrollee and the insurance company. While we will try to be helpful, your health benefit plan determines your coverage, any requirements for prior authorizations or referrals and establishes the limit on your coverage for medical services. We cannot know the benefits and exclusions of each patient’s policy. It is the patient’s responsibility to know and understand his/her coverage and benefits.

    Billing Information

    Please be sure that we have your most current demographic and insurance information at all times. It is your responsibility to provide us with this information. As soon as your information changes, notify us in writing immediately, so we can make the appropriate changes in our billing system and continue your care.

    Past Due Accounts

    Accounts are considered past due after 30 days. Payment should be made in a timely manner. Please notify our office immediately if you are unable to make payment in full. Payment arrangements may be considered so that treatment isn’t interrupted.

    Returned Check & Insufficient Funds Policy

    A fee of $35 due prior to next visit. Co-payments are to be paid prior to each visit unless a payment plan has been approved.

    Billing your Insurance Carrier

    Chesapeake Bay Aquatic & Physical Therapy will invoice you and participating insurers. All fees not covered by participating insurers will be the patient’s responsibility.

    Insurance Plans

    We accept the following insurance plans. If you don’t see your plan listed below, please call us.




    BlueCross BlueShield


    Department of Labor




    Johns Hopkins Health Plans (includes EHP, USFHP)


    Medicare (including Railroad Medicare)



    OneNet PPO

    Priority Partners

    State of MD Medicaid (Under 21 and second to Medicare only)

    Tricare (includes VA, VACAA, HealthNet Patient-Centered Comm. Care)

    United Healthcare (MAMSI, MDIPA, UMR, Compass, UHC Care, UHN Navigate)

    Universal Smartcomp

    Worker’s Comp

    • If we accept your commercial health insurance.
    • For all Department of Labor patients, please give one additional week notice so that we have ample time to obtain authorization.
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    Chesapeake Bay Aquatic & Physical Therapy

    Our Locations


    100 White Marsh Park Dr., Bowie, MD 20715

    Work +1-301-262-5852


    13946 Baltimore Avenue, Laurel, MD 20707

    Work +1-301-498-2212

    Lutherville - Timonium

    9475 Deereco Road, Lutherville, MD 21093

    Work +1-410-308-3543


    2 Chartley Drive, Reisterstown, MD 21136

    Work +1-410-833-5300

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