Homeowners insurance covers severe damage to a home. Homeowners insurance, also referred to as hazard insurance, provides a way for a homeowner to cover her losses if a disaster should cause damage to her home.
1 If you have 365 days of CPT, you may not be able to get an OPT.  So an OPT and a CPT are similar in the way they both allows you to work legally in the U.S. You will need a CPT to work as an intern before graduation, you will need an OPT to work after completing a degree.
The CPT codes that are typically utilized by physical therapists have undergone significant revisions in the last ten years and the editorial process is ongoing. APTA is very involved in the CPT coding process, both on the editorial side as well as the relative value side. Staff and member advisors attend multiple meetings each year to participate in the code development and revision process. It is important to understand the difference between CPT coding and payment policy. Just because a code exists and is utilized by a provider does not mean that a payer will reimburse for that code. Payment policy is determined by each individual payer and is determined by the employer benefit package language.