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.

For physical therapy sessions, 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.

Note: Coaching services are private pay only and not reimbursable by Medicare or other insurances. Some clients may be able to use HSA/FSA funds for coaching services, but you will need to confirm this with your plan.

The following applies to physical therapy visits only (not coaching/wellness):

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

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.

We’re officially a non-network TRICARE certified provider for physical therapy services!* 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.

*This excludes health coaching sessions, which are private pay only and not reimbursable.

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.

Book a free consult call to learn whether a health coaching session may be appropriate for your particular concern and/or for local in-network provider recommendations.

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.

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.

Your physical 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.

Pelvic Health Coaching is a one-on-one, education-based service designed to help you better understand and manage pelvic health concerns in a supportive, self-care–focused way.

What it’s great for:

• Bladder or bowel leakage, urgency, or frequency

• Strategies for pelvic organ prolapse management

• Pain or discomfort with intimacy

• Core and postural support for daily life and exercise

• Lifestyle and nutrition influences on pelvic health

• Support through menopause, or postpartum recovery (c-section included)

• Getting a second opinion after “failing” physical therapy or medical treatment

How it’s different from Physical Therapy:

Unlike physical therapy, pelvic health coaching does not include internal exams, manual treatment, or medical diagnoses. Instead, it focuses on education, movement strategies, and lifestyle tools you can use to support your wellness.

Who it’s for:

Pelvic health coaching is open to all clients, including Medicare beneficiaries, since it is considered a non-covered wellness service. Book a session today to get started.

Payment & Coverage:

These sessions are private pay only and not reimbursable by Medicare or insurance. Some clients may be able to use HSA/FSA funds for coaching services, but you will need to confirm this with your plan.

Important Note:

Pelvic Health Coaching is not a substitute for physical therapy, medical care, or treatment of medical conditions. No diagnoses will be made, and no medical records will be created. If concerns arise that require skilled physical therapy or medical attention, you will be referred to the appropriate licensed provider.