The services we provide are covered by your out-of-network physical therapy benefits. In other words, we do not contract with most insurance companies and we do not bill your insurance. We take payment at time of service and are happy to provide you with an invoice, or superbill, that you can submit to your insurance for reimbursement. Sometimes your out- of-network reimbursements are higher than your high deductible in-network reimbursements. Our current fees are competitive when compared to other cash based practices in the area. We do accept HSA and FSA. We do accept Medicare. We are contracted with Sutter HMO plans. If you are concerned about cost, you might consider checking out our online courses under the "Wellness" section. 

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If you believe you may have coverage through Sutter Health HMO (not PPO), you will first need to call the number on the back of your insurance card to confirm in network coverage with Bodyful Physical Therapy (not an individual therapist). Please note that sometimes the payor is not Sutter Health, but instead your medical group, and you will need to confirm who the payor is and that we are in network with them. You will also need to confirm what your co-pay is before scheduling with us. Once you have confirmed all of this information, you may call our clinic and we will secondarily check these benefits before scheduling.