Why We Don’t Bill Insurance — And Why That’s Better for You

Blush Physical Therapy & Pelvic Wellness is an out-of-network practice, meaning we don’t work directly with insurance companies. This allows us to focus fully on what matters most: your care.

Insurance often limits visits and controls treatment plans—restrictions that don’t serve your healing. By staying independent, we’re able to create flexible, personalized plans that support your body, your goals, and your lifestyle.

We gladly accept FSA/HSA cards and provide detailed invoices (superbills) you can submit to your insurance for potential reimbursement.

See our rates here. To make care more accessible, we also offer package plans to reduce cost and support you throughout your wellness journey. Our top priority is giving you the freedom to make the best choices for your health.

Unfortunately, we cannot see you for physical therapy services if you have Medicare insurance but we are happy to refer you to an in-network provider in the area. However, we can see you at our pelvic floor classes and workshops.

Cash-based physical therapists cannot see Medicare beneficiaries for covered services because of Medicare regulations. Medicare requires providers to be enrolled and to bill Medicare for any services that would normally be covered under Medicare, even if the patient wants to pay out of pocket. This rule, known as the Mandatory Claims Submission Rule, ensures that Medicare beneficiaries receive the coverage they are entitled to and prevents cost-shifting or confusion about benefits. Cash-based practices are not allowed to "opt out" of Medicare for physical therapy services because physical therapists are not included in the list of providers eligible to opt-out under Medicare guidelines.

We’re officially a non-network TRICARE certified provider! This means you pay our cash rate at the time of service and we provide a superbill for you to submit for reimbursement.

The following TRICARE plans are able to submit superbills for reimbursement: TRICARE Select, Reserve Select, and TRICARE for Life beneficiaries. TRICARE Prime beneficiaries will be able to submit these superbills if they elect to use the Point-of-Service (POS) option under their plan OR if they get preauthorized by their regional contractor.

We accept cash payments at time of service and provide a detailed invoice (superbill) for you to submit to your insurance, if you choose to.

Many patients have better out-of-network benefits than they realize. Often 50-80% of their appointment costs are reimbursed.

We cannot guarantee insurance coverage and/or reimbursement. If you want to know whether your appointment costs will be reimbursed, we recommend calling your insurance provider and asking the following:

• “Can you provide details on the reimbursement rates for out-of-network physical therapy services under my plan?”

• “Specifically, I’d like to know the reimbursement for the following procedure codes: Low Complexity Evaluation (97161), Therapeutic Exercise (97110), Therapeutic Activity (97530), Manual Therapy (97140), and Neuromuscular Re-education (97112).”

• “Are there any restrictions, deductibles, or pre-authorization requirements I should be aware of?”

Here’s how to calculate your expected insurance reimbursement based on the rates provided for each procedural code:

• 75 minute initial visit: 1 unit low complexity evaluation + 3 additional treatment codes (varies depending on our focus)

• 60 minute follow-up session: 4 treatment codes (varies depending on our focus).

You can request a superbill after each session, which will detail the specific procedure codes used during your treatment.

You are responsible for submitting superbills for reimbursement. If you prefer less hassle, online/mobile services like Reimbursify will submit these claims for you for a small fee.

Yes! Physical therapy during pregnancy can ease discomfort, support your changing body, and help prepare your pelvic floor for birth and recovery.

We recommend starting early and continuing postpartum, whether for occasional wellness check-ins or more frequent visits if issues like pain, leakage, or constipation arise.

We also offer discounted pregnancy care bundles—ask about them at your first visit!

Your therapist may recommend an internal pelvic floor exam based on your symptoms, but it’s always your choice. If suggested, it will be fully explained, and you can give or withdraw consent at any time—even during the exam. Your comfort and autonomy are our priority.

The exam involves using a gloved finger to assess muscle tone, strength, coordination, and areas of tenderness. It’s gentle, done without stirrups or speculums, and can be paused or stopped at any time.

This exam helps us better understand your pelvic health and create a personalized treatment plan. That said, it’s never required—many clients make great progress through external methods and whole-body approaches alone. Your care will always be tailored to your needs and comfort.