WHW PT is an "out-of-network" provider for all insurances, except Medicare. This means payment is collected at the time of service, and you are provided a receipt or "super bill" that you can submit to your insurance company for out-of-network coverage. Depending on your out of-network plan benefits, the insurance provider may reimburse you directly. If you want to understand more about what your insurance company will and will not reimburse, give them a call. It is important for each person to understand exactly what their insurance covers. WHW PT also accepts HSA/FSA for payment.

WHW PT is not currently a participating provider with any insurance plans other than Medicare. Why? Being an out of network provider allows us to provide the highest level of care, without distractions or contraints from insurance companies. The care we provide is individualized 1:1 treatment, without comprising quality for quantity.

Therapists at clinics that accept insurance are commonly required to see 2-3 patients per hour. At WHW PT, you spend the entire hour with your therapist so that you will heal faster and require less frequent visits. While your first reaction may be that our method will cost you more money out-of-pocket- you will see that our system will actually save you money while providing you with faster and better treatment. By targeting the root cause of your issues head-on, we streamline your path to recovery, ultimately saving you time and money in the long run. You will also be provided a free seamless process to get reimbursed by your insurance for care, depending on your insurance policy.

An average patient at an insurance-based clinic is asked to see a physical therapist two to three times per week. With each visit you will likely have a co-pay ($10-$40), you will pay 100% of costs until you meet your deductible, and you will pay a portion of the cost (co-insurance, often 20%) until you reach your out-of-pocket maximum (on average $8,000).

It’s also not uncommon for insurance companies to retroactively deny coverage for services already provided, leaving patients with unexpected bills months later.

Let's compare this to our "out of network model"

You pay the full session cost upfront or via a monthly payment plan (HSA/FSA if applicable) and submit a claim to your insurance for reimbursement. The reimbursement rate may vary depending on your plan, but typically ranges from 50-80%. You may have a similar deductible to meet as your in-network benefits before reimbursement kicks in.
In the out-of-network model, discounts are often offered for sessions bought in bulk, further enhancing its cost-effectiveness.

At WHW PT, we prioritize transparency in pricing, ensuring you have all the information needed to make informed decisions about your care. Upon request or scheduling, we’re happy to provide you with a ‘Good Faith Estimate’ of our cost structure. Contact our office at 507-339-5239 or email us at drcrystal@whwphysicaltherapy.com

WHW PT is in network with and able to accept and bill Medicare. Medicare is the only insurance that WHW PT is in network with at this time.

In some cases, a Medicare beneficiary may pay cash for services that are no longer considered medically necessary, for example a "maintenance" or "wellness" program.