Insurance & Investment
Transparent care, no surprises.
We're out-of-network by design — and we believe in being completely upfront about what that means. It buys you a full hour of focused, doctor-led care every visit, with reimbursement made simple.
Does insurance cover pelvic floor physical therapy at Modern Core?
Modern Core Health is an out-of-network practice, so we don't bill insurance directly. You pay at the time of service and we provide a detailed Superbill to submit to your insurer. Many patients recoup 50–80% of their visit cost once their out-of-network deductible is met. We also accept HSA and FSA.
Why Out-of-Network
The choice that protects your care
Being out-of-network isn't a workaround — it's how we keep your visit about you. When insurance doesn't dictate the clock or the plan, your therapy is driven by what your body actually needs.
A full hour, every visit
Sixty unhurried minutes of one-on-one, hands-on care — never rushed, never double-booked, never split with another patient down the hall.
Doctor-led continuity
You see the same Doctor of Physical Therapy at every visit. No rotating providers, no starting over, no re-explaining your story each time.
Care driven by your needs
Your treatment follows your goals and progress — not a list of visits or modalities an insurer is willing to approve that week.
How Reimbursement Works
Simple, transparent, and on your side
If your plan includes out-of-network benefits, getting reimbursed is a short, straightforward process — and we hand you the tools to make it painless.
Pay at your visit
You pay for your session at the time of service with any major card, HSA, or FSA.
Get your Superbill
We email you an itemized Superbill with the diagnosis and treatment codes your insurer needs.
Submit to your insurer
You send the Superbill to your insurance company to open an out-of-network claim — we'll show you how.
Get reimbursed
Your insurer reimburses you per your out-of-network benefits, often 50–80% once your deductible is met.
Your script: exactly what to ask your insurance
Call the member number on the back of your card and ask these five questions. Jot down the answers — they tell you almost everything about your reimbursement.
- Do I have out-of-network physical therapy benefits?
- What is my out-of-network deductible?
- How much of that deductible have I already met this year?
- What percentage is reimbursed for out-of-network PT?
- Is a referral required for reimbursement?
Payment Options
Easy ways to pay
We keep payment as flexible and transparent as the care itself. However you cover your visit, you'll always know the cost before you book.
- ✓ HSA & FSA cards accepted
- ✓ All major credit & debit cards accepted
- ✓ A detailed Superbill provided after every visit
- ✓ No referral needed in California — direct access to your PT
Rates & Visit Types
Clear pricing, shared on a quick call
We're happy to talk numbers — transparently and with no pressure. Tell us what you're looking for and we'll share current rates so you can plan with confidence.
Initial Evaluation
A comprehensive 60-minute assessment with Dr. Macchi — your history, goals, a thorough evaluation, and a personalized plan to start from.
Contact us for current rates →Follow-Up Visit
A full 60-minute, one-on-one treatment session — hands-on therapy, movement, breathwork, and progress toward your goals, every visit.
Contact us for current rates →Virtual Wellness Consultation
A live virtual pelvic health consultation — ideal for guidance, education, and clients who can't visit in person, including outside California.
Contact us for current rates →Pricing is shared transparently on a quick call or message — no guessing, no fine print.
Insurance Questions
The cost questions, answered
Modern Core Health and Wellness is an out-of-network provider, so we don't bill insurance companies directly. Instead, you pay at the time of service and we give you a detailed Superbill to submit to your insurer. Many patients are reimbursed a portion of their visit cost per their out-of-network benefits, and we accept HSA and FSA cards.
A Superbill is an itemized receipt that includes the diagnosis and treatment codes your insurance company needs to process an out-of-network claim. After each visit we email you a Superbill, which you submit to your insurer to request reimbursement under your out-of-network benefits.
It depends on your specific plan. Many patients with out-of-network benefits are reimbursed roughly 50–80% of their visit cost once their out-of-network deductible is met. Use our simple script above to ask your insurer the right questions, so you know what to expect before your first visit.
Yes. Pelvic floor physical therapy is an eligible medical expense, so you can pay with your HSA or FSA card just like any other card. We also accept all major credit and debit cards.
No. California has direct access, so you can see a physical therapist for your initial evaluation and a definitive period (45 calendar days or 12 visits, whichever comes first) of treatment without a physician referral. Some insurers do require a referral for reimbursement, so it's worth confirming with your plan when you check your out-of-network benefits.
You're still welcome here. If your plan doesn't offer out-of-network reimbursement, your care is out-of-pocket — but you still receive the full value of a private, full-hour, doctor-led visit every time, plus HSA/FSA eligibility. Contact us and we'll walk you through your options transparently before you book.
We're Here to Help
Questions about cost? Let's talk.
No surprises, no pressure — just a clear, honest conversation about what care looks like and what it costs. Reach out and we'll walk you through it.