Insurance Info
Direct Access Information
FX Physical Therapy is compliant with Maryland’s Direct Access law, which states anyone may seek physical therapy treatment from a licensed physical therapist without a prescription or referral from a doctor. Through the Direct Access Law, our Doctors of Physical Therapy can offer advice on how to manage a condition, immediately address an injury (time permitting), provide more information, or refer you to another healthcare professional.
Call us, email us, or visit one of our locations to make an appointment.
Insurances Information
FX Physical Therapy is proudly in network with all major insurers, plus many other regional and local carriers*
Aetna | BlueCross BlueShield | Carefirst | Cigna | Humana | Medicare | UHC | Tricare | And More!
*To understand your coverage, we encourage every patient to receive their complimentary insurance verification through their location’s front office before service.
Insurance copayments and deductible payments are expected at the time of service.
Insurance & Cost FAQ
Do you accept my insurance?
In most cases, yes. FX Physical Therapy is in-network with Aetna, BlueCross BlueShield, Carefirst, Cigna, Humana, Medicare, UHC, Tricare, and many other regional and local carriers. Coverage details still vary by plan, even within the same insurer, so the fastest way to know for sure is a complimentary insurance verification through your location’s front office before your first visit.
Does my insurance limit how many visits I get, or require prior authorization first?
Annual visit caps and prior authorization requirements vary by your insurer and by plan. Your complimentary insurance verification checks this before your first visit. If your plan requires authorization, our front office will tell you what is needed before you are even scheduled.
What if you’re out-of-network with my plan, or I don’t have insurance at all?
You can still be seen. FX Physical Therapy isn’t contracted with out-of-network insurance, but self-pay is always an option, whether your plan is out-of-network or you don’t carry insurance at all. Ask our front office about current pricing, including any self-pay rate, when you call or request an appointment.
What does a self-pay visit cost, and what’s included?
Most self-pay visits begin with a full evaluation and hands-on treatment time with a Doctor of Physical Therapy, plus a home exercise program to keep you progressing between visits. Some visit types, like Recovery Zone sessions, are structured differently. Self-pay rates vary by visit type, so our team can walk you through current pricing, what’s included, and the options available to you. You can make the choice that works best for your care and budget.
Will I know what I’ll owe before my first appointment?
Yes. Our complimentary insurance verification gives you an estimated copay, deductible, or self-pay cost before you come in, based on the benefits information your insurance company provides to our front office. Because coverage details can change or vary once a claim is processed, your final cost may differ from the estimate.
Does my out-of-pocket cost stay accurate throughout my treatment?
Yes. Before you come in, our front office estimates what to expect based on your insurance coverage, whether that is a copay, a deductible amount, or a self-pay cost. Deductible balances can change throughout the year as you use other medical care. We review your account weekly to keep your estimated costs as accurate and up to date as possible before each session.
What’s the difference between a copay, deductible, and coinsurance?
- Copay: a fixed amount your plan requires at each visit.
- Deductible: the amount you pay out of pocket before your plan starts covering physical therapy visits.
- Coinsurance: the percentage of the visit cost you are responsible for once your deductible is met.
Your insurance verification will tell you which of these apply to your specific plan.
How many visits will I actually need, and can we keep it efficient?
It depends on your diagnosis, goals, and how your body responds to treatment. Your Doctor of Physical Therapy sets clear goals and checks your progress along the way, aiming to get you back to what you want to do rather than keeping you in treatment longer than needed.
What if I can only afford a few visits?
Tell your Doctor of Physical Therapy up front. A focused evaluation plus a home exercise program built around your specific limitations can go a long way, and your PT can prioritize what matters most for your budget and timeline.
Do I need a doctor’s referral to start physical therapy?
In most cases, no. Maryland’s Direct Access law lets you schedule directly with one of our Doctors of Physical Therapy without a prescription. Some plans still require a referral or authorization before treatment can begin:
- TRICARE Prime (and Active Duty Service Members): Referral and pre-authorization from your Primary Care Manager are required.
- TRICARE Select and TRICARE For Life: No referral is generally required.
- Medicare (Part B): Maryland’s Direct Access law doesn’t require a referral for you to begin treatment, but we require a signed referral from your doctor before we can schedule you. We need that referral, along with your doctor’s information, to submit your claim to Medicare.
- Maryland Medicaid: Adults 21+ usually need preauthorization through your MCO (often with a doctor’s order). Under 21, rules vary, so we check your specific plan.
If you are not sure what your plan requires, our front office can review your benefits during your complimentary insurance verification and tell you exactly what is needed before your first visit.
When are copays and deductible payments due?
Copayments and deductible payments are expected at the time of service, in line with your plan’s terms.
Request an Appointment
Our Doctors of Physical Therapy want to ensure that you’re pain-free and moving well!
Please complete the Request Appointment form and one of our Clinic Assistants will get back to you within 24 business hours to schedule your appointment.