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1. You are way too deep into this. You have no control over procedure/diagnosis codes used at a PT office
2. Technically, there IS coins/copay for PT visits. Unless you use certain codes. Telling a PT to use different codes to avoid the charges sounds like Medicare fraud to me.
3. If you purchase/sell N, you have a copay. N is a great plan. Except when you need extended therapy.
When I had people undergoing physical therapy, I called underwriting at the carrier to get the specific billing codes that could be used that would not generate co-insurance for the client. Once we were able to tell billing how to code it so that insurance would pick it up, everything was fine.
My advice - work with the specific carrier and then you can relay the proper information directly to the billing office associated with the provider.