Policy on UnitedHealthcare and Plans Without Out-of-Network Benefits

We are in-network with Medicare Part B and Blue Cross Blue Shield and are happy to bill your insurance if your plan offers Out-of-Network (OON) benefits for outpatient therapy. However, there are situations where we cannot bill your insurance—this includes UnitedHealthcare Medicare Advantage plans and other managed insurance plans that do not provide OON benefits. Patients with plans we cannot bill will need to consider our private-pay options to receive care from our team.

What are my options if my plan does not have Out-of-Network benefits or if I have UHC Medicare Advantage?

If you wish to work with Healthy Aging Physical Therapy, you may elect to work with us through our Wellness365 program. While these sessions are private-pay, you may be able to seek reimbursement from your insurance or long term insurance company directly. Our rates for Wellness365 Tier 1 (PT and OT) sessions are $200 for Initial Evaluation and $150 for each follow up session (1 Hour). These sessions need to be paid for at time of visit.

How to I check if I have Out of Network Benefits and how do I seek reimbursement for services?

We recommend calling the member services number on the back of your insurance card. You can ask:

  • Do I have out-of-network coverage for outpatient therapy?

  • Do I need prior authorization to receive outpatient therapy?

  • What is my patient responsibility for Out of Network services?

  • Do I need to meet an out-of-network deductible first and what is it?

  • What do I need to do to submit for reimbursement for services?

Please note:

You are responsible for submitting any required documentation to your insurance company directly. We are not able to guarantee reimbursement and are not responsible for any claims denied or partially paid by your plan.