How Can I Pay For the Treatment I Receive?


At Creative Therapy Resource, we provide multiple options to help you pay for our treatments. We recognize that special circumstances may exist, and that an extended course of physical therapy is a costly venture. We can assure you that we will work closely with your insurance company to get the maximal payments on your behalf. But please remember that you, not your insurance company, are fully responsible for your bill. You can use one or a combination of these options to make sure you get the treatment you need.


Payment Methods Accepted


At Creative Therapy Resource we accept most insurance plans, cash, checks, Mastercard and Visa.  Please call 847-390-0999 with questions regarding insurance and to deterine whether we are in-network.  We are not currently in any HMO plans. We do accept assignment for Medicare. 




Many insurance plans or Medicare will cover a portion or all of the treatments offered at Creative Therapy Resource. We are participating providers for many insurance companies. We accept Blue Cross Blue Shield, Aetna, Cigna, Medicare, Worker’s Compensation, Humana, PHCS, First Health, Preferred Plan, Corvel and many others. We will bill your insurance company weekly as long as you are receiving treatment.



You are responsible for co-pays and deductibles. Your co-payment, if any, must be paid at each visit throughout the course of our treatment. If a deductible is part of your policy, then you will be billed any part of your treatment that was applied to your deductible. If you are having trouble paying your portion, please speak to the office manager to arrange a mutually agreeable payment.



After your first visit, we will call your insurance and find out your benefits. As a courtesy, we will provide you with a written summary of your physical therapy benefits with an estimated co-pay amount, if you have one. Even if we are out of your network, many times we are able to accept your in-network benefits and co-payments without penalty. If you’d like to know this information before starting therapy, we’d be happy to find out your benefits prior to your first treatment.


If you were injured in a car accident, we can bill your car insurance or your health insurance. We cannot bill the other drivers insurance. If the accident was not your fault, your insurance company will recoup its costs from the other driver’s insurance. If you have an attorney, and decide to pay for your treatment through your health insurance, you are responsible for your co-payments.


No Insurance, No Problem With Interest Free Payments For Up To 3 Months or 50% cash Discounts


We know that many people do not have a health insurance plan that they can fall back on to help them cover the costs of their treatments. We don’t want this to be a reason why you decide not to continue getting the help you need. To help you continue treatment that is not covered by insurance, we can set you up on a 3 month interest free payment plan or if you pay cash you will get a 50% discount.



For questions about insurance, please call us at 847-390-0999 or send your question from our contact page.



Whatever your situation, we want you to get the care you need to lead a normal, pain free life. If you are concerned about being able to afford the services offered at Creative Therapy Resource please let us know and we can help you make it work.




Hours & Locations

Convenient Hours at 2 Locations


Des Plaines

Mon - Thurs:  7:00AM to 6:00PM



Mon - Thurs: 8:00AM to 6:00PM


(later hours may be possible at both locations, please call for more information)


Creative Therapy Resource, Ltd.

Main Phone: 847.390.0999  Fax:  847.390.0949



Des Plaines Office: 1683 Elk Boulvard, Des Plaines, IL 60016      Ph:  847.390.0999   Fax: 847.390.0949

Riverwoods Office: 1135 Milwaukee Ave., Riverwoods, IL 60015  Ph: 847.520.9038  Fax: 847.520.9039