Insurance Core Rehabilitation accepts: Insurance, direct access & your first visit
Everything you need to start physical therapy in Lake Wales, Haines City, or Winter Haven — whether we accept your plan, how to begin without a referral, and what to expect on day one.
Serving Lake Wales · Haines City · Winter Haven
At a glance
01
Referral: Not required in Florida — direct access, up to 30 days
02
Insurance: 200+ plans accepted at all three clinics
03
First visit: ~45–60 min, one-on-one with a licensed PT
04
Where: Lake Wales · Haines City · Winter Haven
Direct access: Do I need a referral to start physical therapy in Florida?
No. Under Florida’s direct access law, you can begin physical therapy and be treated for up to 30 days without a physician’s referral — so you can start care as soon as something starts bothering you.
Florida Statute §486.021 lets a licensed physical therapist evaluate and treat you directly. To continue care beyond 30 days, Florida requires a referral from your physician, and some insurance plans ask for one sooner. When you book, we’ll check your plan’s rules so there are no surprises.
Insurance: Does Core Rehabilitation accept my insurance?
Most likely, yes. We’re in-network with more than 200 insurance plans — including Medicare, major commercial insurers, Tricare, workers’ compensation, and auto/PIP coverage — at all three clinics.
Search your plan below, or call the clinic nearest you and we’ll verify your specific benefits before your first visit. Don’t see your plan? It may still be covered — our accepted list changes often, so it’s always worth a quick call.
🟢 AARP WellMed
MEDICARE
🟢 American Republic
MEDICARE
🟢 Integral Quality Care
HMO
🟢 The General
AUTO / PIP
🟢 Oxford Health Plan
COMMERCIAL
🟢 Sedgwick
WORKERS' COMP
🟢 Hop Administration Unit
HMO
🟢 WelMed - Medicare Complete
PPO
🟢 TriFlex
WORKERS' COMP
🟢 Medicare
MEDICARE
🟢 Our Children's Academy
EMPLOYER
🟢 United American Insurance Company
OTHER
🟢 United Healthcare Medicaid
MEDICAID
🟢 Wabash Memorial Hospital Association
COMMERCIAL
🟢 Travelers Insurance
AUTO / PIP
🟢 Self Pay
SELF PAY
🟢 Meritain Health
COMMERCIAL
🟢 Hartford Life Insurance Company
OTHER
Your first visit: What happens at your first physical therapy visit?
Your first appointment is a 45–60 minute, one-on-one evaluation with a licensed physical therapist who assesses how you move, explains what they find in plain language, and starts building your plan of care the same day.
Plan to arrive about 10 minutes early to complete a short intake. Here’s what to bring:
Photo ID
A referral or prescription, if you have one
Comfortable clothing you can move in
Your insurance card
A list of your current medications
Any relevant imaging or reports (if handy)