We accept most major insurance plans — here's everything you need to know before your first visit.

Although MA is a Direct Access state, many insurances still require a PT Order from your doctor showing medical necessity. Therefore, it is our company policy to require a PT order for all patients. If a PT order is not on file, you aware that that you will be financially responsible for any and all claims denied for lack of PT order.

Insurance

  • POST PT is in-network with most major insurance providers at both our Brookline and Boston Seaport locations:

    • Aetna

    • Allways Health Plan

    • Anthem Blue Cross Blue Shield

    • Blue Cross Blue Shield

    • GIC / Commonwealth / Unicare

    • Harvard Pilgrim

    • Health Plan Inc (subsidiary of Harvard Pilgrim)

    • Medicare Part B

    • Medex (Blue Cross Blue Shield Medicare)

    • Tufts Health Plan (not in-network with Tufts MassHealth Plans)

    • Tufts Medicare Replacement

    Our NPI is 1053659532.

  • If you're uninsured or prefer to pay out of pocket:

    • Initial Evaluation: $125

    • Follow-up Visit: $125

    We also offer packages of 5 and 10 to help reduce your costs. In some cases you may be able to request reimbursement for out of pocket costs if you we are out of network with your insurance.

    Contact us to check if you have out of network benefits. Please provide photos of your insurance card for us to verify.

  • Plans We Do Not Accept

    • ASH / Cigna

    • United Health Care

    • GEHA

    • MassHealth

    • Tufts Public Health Plans (Member ID starting with 'N' or containing a letter)

    • Fallon

    • Celticare

    • Tricare

    • BMC Health Network

    • Motor Vehicle and Workers' Compensation cases

    • Certain Aetna plan variations

    If your plan isn't listed, contact your insurer directly to ask about out-of-network benefits.

Please send us a photo of the front and back of your insurance card before your appointment. We strongly recommend calling your insurance provider ahead of time to verify your physical therapy benefits and understand your financial responsibility — our office does not have access to the specific details of your plan.

When you call your insurer, ask about:

  • Your deductible — how much you've met and how much remains

  • Your copay or coinsurance for outpatient physical therapy

  • Whether a referral or preauthorization is required

  • Your visit limit per plan year

Before Your First Visit

Billing and Payments

POST PT partners with Lincoln Reimbursement Services (LRS) to help ensure that your statements are accurate, timely, and easy to understand.

Payment is collected at the time of service. Copays are charged to the credit card on file from your new patient paperwork.

If you receive a statement from us, it reflects only your portion of the balance after insurance has processed the claim. Questions about a statement or payment? Contact our billing team:

Please notify us immediately if your insurance changes — bring a copy of your new card and the effective date of the new policy. Insurance companies have strict filing deadlines, so delays can affect your coverage.

We get it—health insurance today can be confusing. There are many complex terms to remember and when it comes to providing coverage, every plan is different. At the same time,  high-deductible health plans, legislation changes and rising costs have led to an increase in patient financial responsibility, making it all the more important to understand your policy and how it works.

Understanding Your Benefits

  • The 12-month cycle of your plan. Benefits, copays, and deductibles reset at the start of each benefit year — which may not align with the calendar year.

  • The amount you pay out of pocket before your insurance starts covering costs. Until your deductible is met, you pay the full rate for each visit.

    POST PT estimates the cost of your visit and collects an estimated amount at the time of service. This prevents you from accumulating a large bill at the end of your treatment.

  • A fixed dollar amount you pay per visit, regardless of the total cost of the session.

  • Your percentage share of the cost after your deductible is met. For example, a 20% coinsurance on a $100 visit means you pay $20 and insurance pays $80.

  • Some plans require pre-approval before covering physical therapy. Your physician will need to submit documentation of your condition. We recommend confirming this before your first appointment.

  • Required by some HMO plans. Your primary care physician submits a referral to authorize your PT visits. Check with your insurer if you're on an HMO.

    All patients are required to have a PT Order on file. This is essentially prescription from your doctor stating your medical need for physical therapy. Although Massachusetts is a direct access state, many insurances still require proof of medical necessity before they will cover physical therapy services. Without a PT Order, your claims may be denied.

  • A document sent by your insurer after a claim is processed. This is not a bill — it shows what was billed, what insurance paid, and what you may owe.

  • Many plans cap the number of physical therapy visits covered per year. Ask your insurer how many visits you have remaining.