What does ‘self-pay’ mean for me?

I may not be in network with your insurance company, however I am 100% devoted to providing exceptional care in a costly healthcare landscape.
I prioritize individualized treatment: you get 60 minutes one-on-one with a doctor of physical therapy providing hands-on care and customized exercises at every visit. You will see the same provider at every visit and can contact me between your appointments with questions about your care.

This allows you to return to your life feeling stronger and more confident in less time.

Self-pay means payment is due at the time of service.

You can pay with your HSA or FSA card. We also accept payment via Venmo or other credit cards. There is a 3% transaction fee applied when using any of these payment methods.

Cash and checks (made out to Empower Physiotherapy) are also accepted at a discounted rate as there is no transaction fee to process these payment methods.

You can also use your out of network insurance benefits to pay for your physical therapy and dry needling appointments and we are more than happy to provide all the documentation needed for this.

Read below for details about how out of network benefits work.

Paying With HSA or FSA Card

What is an HSA Card?

A health savings account (HSA) is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums. Talk with your bank or your employer for more information.

What is a FSA Card?

A flexible spending account (FSA) is an arrangement through your employer that lets you pay for many out-of-pocket medical expenses with tax-free dollars. Allowed expenses include insurance copayments and deductibles, qualified prescription drugs, insulin, and medical devices. You decide how much to put in an FSA, up to a limit set by your employer. You aren't taxed on this money. Talk with your employer for more information.

How do I use it?

You can pay with your HSA or FSA card at the time of your appointment. All credit card transactions are subject to a transaction fee. You can pay for your physical therapy services with an HSA or FSA card regardless of whether or not you are submitting for reimbursement from your insurance provider.

Using My Out Of Network Insurance Benefits

What are out of network benefits?

Healthcare providers will often contract with insurance companies and are then “in-network.” Other healthcare providers may not contract with an insurance company (there are many reasons for this) and provide “out of network” services. Your insurance company may provide “out of network” benefits. This generally means that if you would pay the cost of the service up front, but then can submit to your insurance company for reimbursement for some or all of the cost. The amount of reimbursement varies depending on the plan.

How can I check my OON benefits?

Your insurance’s website will usually list out of network benefits on their website. Prior to seeing your OON provider, it’s a good idea to call your insurance company to see if your specific policy has OON benefits, and if so check if there are any requirements for reimbursement. For example, your insurance may require you to have a referral from your doctor in order to qualify for reimbursement. Some questions you should ask when you are on the phone: 

  1. How much of my deductible has been met this year? 

  2. What is my out-of-network deductible for outpatient physical therapy?

  3. What is my out-of-network coinsurance for outpatient physical therapy?

  4. Do I need a referral from an in-network provider to see someone out-of-network? 

  5. How do I submit claim forms for reimbursement?

How do I get reimbursed?

Once any prerequisites are met (i.e. getting a referral from your provider if necessary) you would pay for your physical therapy appointment at the time of service. Your therapist will provide you a superbill which you can then use to submit for reimbursement. You can do this yourself, or utilize a service such as Reimbursify to make this process easier. Your reimbursement amount may depend on your deductible, coinsurance, and cost for the service.