Why We’ve Chosen to Work Outside the Insurance System
No Middleman Dictating Your Care
Insurance companies limit what body parts we can treat, how many visits you can have, or which treatments they’ll “approve.” We say: No thanks. We treat your whole body, holistically, because pelvic floor issues rarely involve only one area in isolation.
Real Results—Not Quick Fixes
At Empowered PT, we have the expertise to find the root cause of your issues, your visits are one-on-one, 60 minutes long, and always with a trained pelvic health specialist.
Longer visits
Hour long visits give us time to find the root cause of your issues & address it properly. We don't do cookie cutter treatments here because *you're* not a replica of anyone else. We take the extra time to customize your care.
No Surprise Bills
When you see us, you know the cost upfront. There are no mystery charges months later. No billing departments chasing you down. Just clear, transparent pricing from the start.
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. We can typically see you within 2 weeks.
Superbills
A superbill is a special receipt for insurance companies with diagnosis and procedure codes in order to issue reimbursement. We’re happy to provide superbills you can submit to your insurance. (Many of our patients get some money back, sometimes quite a bit!)
Check Your Out-of-Network Insurance Benefits
We'll help you ask the right questions so you can better understand what your insurance may reimburse for physical therapy.
Before you call
Here's how this works
This takes about 10 minutes. Have your insurance card and a pen handy — or just type your answers here as you go.
- Call the Member Services number on the back of your insurance card.
- This usually takes about 10 minutes.
- Fill in the answers below while you're on the phone.
- At the end, you'll have a summary you can save or print.
Step 1 of 8
Out-of-network benefits
Ask the representative this exact question:
Step 2 of 8
Deductible
Ask about your out-of-network deductible specifically — it's often different from your in-network deductible.
Step 3 of 8
Coinsurance
Ask: "After my deductible is met, what percentage of the allowed amount is reimbursed?"
Common answers: 50%, 60%, 70%, 80%
Step 4 of 8
Allowed amounts
Ask what the insurance company's "allowed amount" is for each visit type. iThe allowed amount is NOT what charges. It is the amount your insurance company considers eligible for reimbursement.
Step 5 of 8
Visit limits
Step 6 of 8
Authorization
Ask: "Do I need any of the following for out-of-network physical therapy?" Select all that apply.
Step 7 of 8
Claims
Step 8 of 8
Call information
Always ask for a reference number before you hang up — it protects you if there's ever a dispute.
All done
Your benefits summary
Here's what you shared. Save or print this for your records.
Estimated reimbursement
Enter 's current fees to see an example estimate.
Your answers are saved automatically on this device as you go.