Transparent Pricing · YW Physical Therapy
Insurance & Pricing
Whether you're using insurance or paying out of pocket, you receive the same one-on-one care from Dr. Wu — no compromise on quality based on payment method.
Insurance Coverage
How Insurance Works Here
I'm an out-of-network provider — which sounds complicated, but for most people it's actually pretty straightforward. Here's how you can still get coverage:
Out-of-Network Benefits
If your plan includes out-of-network benefits (most PPO plans do), you can still use your insurance. You pay at the time of your visit, and I'll either provide a Superbill for you to submit yourself, or I can help submit the claim on your behalf — whichever is easier for you.
HSA / FSA
Physical therapy is an approved HSA and FSA expense. You can use your HSA or FSA card directly at checkout — no extra paperwork needed.
Aetna, Anthem, UnitedHealthcare, or Oscar
Some plans under these carriers may be covered through my third-party billing partner. Just reach out and share your plan details — I'll look into it and let you know within a few business days.
Not Sure What You Have?
No worries — just reach out and share your insurance card info. I'll take a look and let you know what your options are.
Contact Us About Coverage →Self-Pay Options
Transparent Pricing
No hidden fees. No package commitments. Pay per session.
PT Evaluation
Full-body movement screening + AI scan + personalized treatment roadmap. First step in the Human System Reset™ protocol.
Follow-Up PT Session (60 min)
Manual therapy, mobility training, neuromuscular retraining, and technology application. Always one-on-one with Dr. Wu.
Focused Shockwave
Deep tissue acoustic wave therapy for chronic tendon pain, calcifications, and scar tissue.
Radial Shockwave + Class IV Laser
Combination therapy for muscle tension, surface inflammation, and general pain management. Popular standalone session.
AI Movement Assessment Only
10-movement AI scan + auto-generated corrective exercise plan. Great for injury prevention and movement baselines.
Insurance Patients: Upgrade Options
Standard PT visits are covered by insurance. For first-time insurance patients who want to experience advanced technologies, I offer reduced first-visit rates:
- —Radial Shockwave + Class IV Laser: $30 first visit (regular $60)
- —Focused Shockwave: $60 first visit (regular $150)
Questions
Frequently Asked Questions
Do I need a referral?+
Most patients in New York State can see a physical therapist directly without a referral — this is called Direct Access. Some insurance plans require a referral for coverage; Dr. Wu will let you know if yours does.
How do I know if my plan has out-of-network benefits?+
The easiest way is to call the member services number on the back of your insurance card and ask: "Do I have out-of-network physical therapy benefits?" If yes, ask about your out-of-network deductible and reimbursement percentage. I'll provide a Superbill after each visit so you can submit for reimbursement.
Can I use HSA/FSA?+
Yes — physical therapy is an approved HSA/FSA expense. Both self-pay sessions and insurance copays are eligible.
Are the advanced technologies (shockwave, TECAR, laser) covered?+
Standard PT sessions are covered by insurance. Advanced technology upgrades (focused shockwave, TECAR) are self-pay additions. Many patients use the standard PT session for the base work and add the technology upgrade for targeted treatment.
What if I have Aetna, Anthem, UnitedHealthcare, or Oscar?+
Some plans under these carriers may be covered through my third-party billing partner. Reach out and share your plan details — I'll check and get back to you within a few business days.
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