Insurance

Do You Take My Insurance?

To concentrate on doing what I do best, providing personalized, compassionate care for women, while keeping my rates low, I am considered an out-of-network provider.

This means you pay Koru Physical Therapy and Wellness, PLLC directly for service and I will give you a super bill (receipt) to submit to your insurance company for reimbursement.

Why Out-of-Network?

Simple, it’s all about you and meeting your goals. Rather than an insurance company dictating how many visits and what kind of treatment you need, together, along with your physician, we can determine what is most appropriate. I can implement a whole woman approach versus treating a single body part.

What If I Don’t Have Out-of-Network Benefits?

You will still save yourself time and money!

As an out-of-network provider, I do not need to inflate my costs to cover the reimbursement of PT services; meaning a lower rate for you, as my rates are at least 1/2 or less of area in-network clinics. This is especially true if you have a high deductible or co-insurance, as your out-of-pocket cost will often well be less in this scenario.

This model allows for longer treatment sessions, with less frequency, meaning getting your goals met with less visits and less cost to you.

Think of it this way; you go to a clinic because they accept your insurance. You may have to wait to be seen as your PT oversees multiple patients at once.  An evaluation is usually 45 minutes to and hour. Typical scheduling is 2-3x/week for 30-45 minute appointments, and your care is shared between therapists or assistants. You pay your co-pay each visit, you drive back and forth, maybe you take time off work or hire a babysitter.

– OR –

You come see me and only me. You are seen at your appointment time. We spend 90 minutes for your evaluation and 60 minutes for follow-up sessions. You have the entire session to get your concerns answered and ensure you are doing everything correctly. Your session is all about YOU.  Typically, scheduling is 1x/week with quick progression to every 2 weeks and monthly.

 You do not need a lot of sessions for the best outcome; you need quality sessions.

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Are you unsure if you have out-of-network benefits or how much you can expect to pay under your current insurance plan? Use this helpful insurance worksheet