Can I Use My Insurance at Empowered Physical Therapy?
If you’ve landed on this page, chances are you’re wondering:
“Can I use my insurance for pelvic floor physical therapy?”
The short answer: Yes—just not in the way you’re probably used to.
Empowered Physical Therapy is an out-of-network practice—but that doesn’t mean your insurance can’t help. We don’t bill your insurance directly on your behalf. Instead, we provide superbills (medical receipts with all the codes and documentation insurance companies require), which many of our patients submit for out-of-network reimbursement. Depending on your plan, that can significantly reduce your out-of-pocket costs.
Why We’ve Chosen to Work Outside the Insurance System
We get it—insurance is expensive, and you already pay for it. So why wouldn’t you want to use it?
Here’s the thing: traditional, insurance-based care often comes with some serious downsides that most patients don’t realize until they’re deep into treatment. At Empowered, we’ve structured our care differently—intentionally—so that you get more effective care, no billing surprises, and a better overall experience.
Let’s break it down:
✅ No Surprise Bills
When you see us, you know the cost upfront.
No mystery charges months later. No billing departments chasing you down. Just clear, transparent pricing from the start.
✅ Superbills
We’re happy to provide superbills you can submit to your insurance for potential reimbursement. (Many of our patients get some money back—sometimes quite a bit!)
✅ No Middleman Dictating Your Care
Insurance companies often limit what body parts we can treat, how long we can treat them, or which treatments they’ll “approve.”
We say: No thanks.
We treat your whole body, holistically, because pelvic floor issues are rarely isolated to one area.
✅ Shorter Wait Times
Because we don’t rely on high-volume scheduling to stay afloat, our patients don’t have to wait months for appointments.
We keep our caseload small and focused so that we can actually spend time helping you heal.
✅ Real Results—Not Quick Fixes
Insurance-based care often means short, rushed appointments or bouncing between different providers.
At Empowered, your visits are one-on-one, 60 minutes long, and always with a trained pelvic health specialist.
💡 Real Patient Examples:
We recently discovered that multiple patients were paying almost the same—or even more—going to an “in-network” PT, and they felt the care they were receiving was not as high in quality.
Why? Their high deductibles meant they were paying out-of-pocket until they hit that threshold.
Another patient? She actually saved money by switching to us when she realized the out of pocket deductible was higher than our self pay rate.
Yet another patient realized the *local* hospital she was going to for pelvic PT charged her $350 for 45 minutes every visit. She didn’t realize she was spending that much because it was in network with her insurance, but it all went into her deductible and it’s not monopoly money when you end up needing to pay. She switched to us, paid much less per visit, and received MORE time with a doctor of physical therapy, AND got better in 2 months (she had been attending PT at the hospital for 5 months prior to switching to us!!)
What This Means for You
If you have out-of-network benefits or a high deductible, our care might cost less than you think—and deliver better results, faster.
So yes, we don’t “take insurance” in the traditional sense.
But that’s because we’re focused on something more important:
Getting you the care you actually need.
Want to know how this would work with your insurance plan?
📞 How to Ask Your Insurance About Out-of-Network Coverage
Call the number on the back of your insurance card (usually under “Member Services”) and ask the following questions:
1. “Do I have out-of-network benefits for physical therapy?”
If yes, move on to the next questions.
2. “What is my out-of-network deductible, and how much of it have I met this year?”
This tells you what you’ll need to pay before insurance starts reimbursing you.
3. “What percentage of each visit is reimbursed after I meet my out-of-network deductible?”
This could be 50%, 70%, or even more—every plan is different.
4. “Is there a limit on the number of physical therapy visits per year?”
Some plans cap visits, even out-of-network.
5. “Do I need a referral or pre-authorization for out-of-network physical therapy?”
(Most plans don’t, but it’s good to check.)
6. “What documentation do you need from me to get reimbursed?”
Empowered PT will provide a superbill upon request, which includes diagnosis codes, treatment codes, dates of service, amount you paid, and provider info—everything they typically need.
Optional Bonus Tip for the Call:
Write down the name of the representative you speak with and ask for a reference number for the call—this can be helpful if you ever need to follow up.