Pricing & Insurance
We believe patients deserve clear, honest information about the cost of care before scheduling. Because Cultivate Your Wellbeing is cash-based, you know the cost of each visit before you begin. There are no surprise bills weeks later and no waiting to find out what your insurance company allowed, adjusted, or applied to your deductible.
Cultivate Your Wellbeing is an out-of-network pelvic health physical therapy clinic. This means we do not bill insurance directly, and payment is due at the time of service. For patients with private insurance, we provide superbills that may be submitted to your insurance company for possible out-of-network reimbursement.
Initial Evaluation | $195
Follow-Up Treatment Session | $195
Our Pricing
Treatment Packages & Payment Plans
Many patients choose to purchase a treatment package after their initial evaluation, once they have talked with their therapist about their recommended treatment plan. Packages bring down the cost per session and give you flexibility as you move through your care.
5 Session Package $900 total | $180 per session
10 Session Package $1700 total | $170 per session
You do not need to decide on a package before your first visit. At your initial evaluation, your therapist will talk with you about what they recommend, and together you can decide what makes the most sense for your care going forward.
We accept cash, check, credit cards, HSA cards, and FSA cards. For patients with private insurance, we also provide superbills that you may submit to your insurance company for possible out-of-network reimbursement.
Payment plans are available for treatment packages. If you are interested in a package but would prefer to split the cost into multiple payments, our team can talk through the available options with you.
Why We Are Out-of-Network
Being out-of-network allows us to provide care in a way that aligns with our values: one-on-one, individualized, and patient centered. Your visits are not rushed. You work directly with a doctor of physical therapy for the full appointment. We have time to listen to your story, understand what may be contributing to your symptoms, provide hands-on care when appropriate, and build a plan that makes sense for your life. This model also allows us to make clinical decisions based on what you need, not what an insurance company approves, limits, or denies.
For patients with high-deductible insurance plans, it can sometimes be difficult to know what the final cost of care will be until a bill arrives later. Some patients are surprised to find that our rates, especially with treatment packages, may be comparable to or less than what they have paid out of pocket for insurance-based physical therapy.
We believe transparency matters. You know the cost of care before you begin, and we talk through your plan so you can make informed decisions about your health and your finances.
How Out-of-Network Care Works
Cultivate Your Wellbeing is an out-of-network provider for all insurance plans. This means we do not participate directly with insurance companies and do not bill insurance on your behalf. Payment is due at the time of service. For patients with private insurance, we provide superbills that include the information many insurance companies require for out-of-network reimbursement. You submit superbills directly to your insurance company, and our team is happy to provide instructions to help you get started. Out-of-network benefits vary by insurance plan. Reimbursement is not guaranteed and depends on your individual coverage. Your insurance company is the best source for details about your specific benefits.
Questions to Ask Your Insurance Company
If you plan to submit superbills for possible reimbursement, you may want to call your insurance company and ask:
Do I have out-of-network physical therapy benefits?
Do I have an out-of-network deductible?
Is pelvic health physical therapy covered under my plan?
What percentage of out-of-network physical therapy is reimbursed after my deductible is met?
Do I need a referral for out-of-network physical therapy?
How do I submit a superbill for reimbursement?
Every plan is different, so your insurance company is the best source for details about your specific benefits.
Medicare Information
Cultivate Your Wellbeing is not a Medicare provider. Medicare is different from private insurance. Under current Medicare rules, beneficiaries cannot opt out of Medicare for out-of-network physical therapy services. Because of this, claims cannot be submitted to Medicare under any circumstance, and we do not provide billable codes for Medicare reimbursement.
For Medicare beneficiaries, physical therapy at Cultivate Your Wellbeing is a strict cash-based service. If you prefer to use your Medicare benefits, you will need to see a Medicare provider. We are happy to offer suggestions if you would like help finding another option. If you understand this policy and choose to receive care at Cultivate Your Wellbeing, you may schedule at our cash rate. Medicare patients are asked to sign a consent form before being seen so this policy is clear before care begins.
If you have Medicare and are unsure whether scheduling with us is the right fit, we are happy to talk through your options before you book.
Frequently Asked Questions
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Your plan of care depends on your symptoms, goals, evaluation findings, and what makes sense for your life.
Unlike some physical therapy settings where patients may be seen two or three times per week, we typically begin with visits about once per week and space appointments out as symptoms improve and you feel more confident managing your plan.
Your therapist will talk with you about what they recommend at your initial evaluation so you can make a plan together.
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A superbill is a detailed receipt that includes information your insurance company may request when you submit for out-of-network reimbursement.
For patients with private insurance, we provide superbills after visits so you can submit them directly to your insurance company. Our team is happy to provide instructions to help you get started. Reimbursement depends on your individual insurance plan.
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Yes. We accept HSA and FSA cards for payment.
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No. You can pay as you go for individual sessions.
Many patients choose to purchase a package after their initial evaluation because it lowers the cost per visit. Your therapist can talk with you about your recommended plan of care so you can decide what makes the most sense.
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Yes. Payment plans are available for treatment packages. If you are interested in a package, our team can talk through the available payment plan options with you.
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No. Cultivate Your Wellbeing is not a Medicare provider, and claims cannot be submitted to Medicare. We do not provide billable codes for Medicare reimbursement.
For Medicare beneficiaries, care at Cultivate Your Wellbeing is a strict cash-based service.
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If you prefer to use your Medicare benefits, you will need to see a Medicare provider. We are happy to offer suggestions if you would like help finding another option.
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If you have reviewed our pricing and insurance information and are ready to begin, you can book your initial evaluation online.
If you still have questions or are unsure whether our clinic is the right fit, please call, text, or request a free 15-minute virtual consult. We are happy to talk through your options before you schedule.
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If you are not sure whether our clinic is the right fit, we offer free 15-minute virtual consultations. This gives you a chance to briefly share what you are experiencing, ask questions, and learn more about how we may be able to help before scheduling an initial evaluation.
If you have questions about pricing, packages, Medicare, or out-of-network reimbursement, our team is also happy to talk through those details with you before you schedule.
Ready to schedule?
If you have reviewed our pricing and insurance information and feel ready to begin, you can schedule your initial evaluation online.
Still have questions about pricing, packages, Medicare, out-of-network reimbursement, or whether Cultivate Your Wellbeing is the right fit? Please call, text, or request a free 15-minute virtual consult. Our team is happy to help you decide what makes the most sense for your care.