Physical Therapy Practice Owners Can Find Affordable Insurance for Their Staff

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With the Affordable Health Care Act, small business owners have to find health insurance benefits for their staff just like businesses with bigger operations that may have more profit and revenue compared to a smaller private physical therapy office. Nitin Chhoda, a licensed physical therapist and international private practice marketing expert, says that finding physical therapy staff health insurance options is possible.

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There are definitely many options for physical therapy practitioners to choose from and many factors to consider when choosing a plan that is right for their staff.

Now with the Affordable Health Care Act, businesses who do not supply health insurance options to their staff face serious fines. However, many managers in all industries are choosing to pay the penalty in order to avoid providing health insurance options for their employees.

Unfortunately, this method runs the risk of losing better staff that could do great things for the small business. Some businesses are not opting out of paying the penalty and experimenting with a variety of healthcare options to retain staff and comply with the law.

“With the increasing costs of premiums, deductibles and co-pays, many employees will deem the cost and coverage acceptable, when compared to no coverage at all. Clinicians should be aware that these aren’t considered full insurance benefits plans and don’t meet the government mandated criteria,” Chhoda says.

When experimenting with different insurance plans, physical therapy practice owners should know that the Affordable Health Care act does not require spouses to be covered. The assumption with the Affordable Health Care Act is that spouses will find their own coverage through their own employer.

The word “affordable” is also causing confusion with private practice owners. Chhoda says, “The Internal Revenue Service proposed rules to take effect in 2014 which indicates that an employer-sponsored plan is affordable if it doesn’t exceed 9.5 percent of the individual’s household income.” This definition offers physical therapy practice owners more parameters to know which health insurance packages and options are right for their staff without spending too much money for unnecessary healthcare plans.

There are definitely many options for physical therapy practitioners to choose from and many factors to consider when choosing a plan that is right for their staff. The most important thing to remember is that there are options that are right for the staff and right for the business. Remembering that this research could be better for the business and maintaining the best staff is important in order to keep striving to find healthcare plans that fit everyone’s needs.

Chhoda’s office can be reached by phone at 201-535-4475. For more information, visit the website at

Nitin Chhoda PT, DPT is a licensed physical therapist, a certified strength and conditioning specialist and an entrepreneur. He is the author of "Physical Therapy Marketing For The New Economy" and “Marketing for Physical Therapy Clinics” and is a prolific speaker, writer and creator of products and systems to streamline medical billing and coding, electronic medical records, health care practice management and marketing to increase referrals. He has been featured in numerous industry magazines, major radio and broadcast media, and is the founder of Referral Ignition training systems and the annual Private Practice Summit. Chhoda speaks extensively throughout the U.S., Canada and Asia. He is also the creator of the Therapy Newsletter and Clinical Contact, both web-based services to help private practices improve communication with patients, delivery better quality of care and boost patient retention.

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