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:
Standard physical therapy can be billed to insurance (out-of-network) or paid out of pocket. Recovery & Wellness services are self-pay only.
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 →Physical Therapy
Physical Therapy — Pricing
PT evaluations and follow-up PT sessions may be billed through out-of-network benefits. Shockwave care, other standalone technology services, and AI Movement Assessment Only are self-pay.
PT Evaluation
Insurance-eligibleFull-body movement screening + AI scan + personalized treatment roadmap. First step in the Human System Reset™ protocol.
Follow-Up PT Session (60 min)
Insurance-eligibleManual therapy, mobility training, neuromuscular retraining, and technology application. Always one-on-one with Dr. Wu.
Shockwave Care — One Treatment Area
Self-pay onlyFocused shockwave with radial shockwave when indicated, Class IV laser post-shockwave care, Rapid Release, and guided exercise included when clinically appropriate. The required first evaluation and treatment visit is $200.
Laser + Radial Shockwave — Standalone Session
Self-pay onlyA 30-minute combination session with Class IV laser and radial shockwave. This option does not include focused shockwave and is separate from the $150 focused shockwave care service.
AI Movement Assessment Only
Self-pay only10-movement AI scan + auto-generated corrective exercise plan. Great for injury prevention and movement baselines.
Shockwave: What the Price Includes
The first shockwave visit is $200 because a clinical evaluation is required. Follow-up shockwave care is $150 per treatment area.
- —Focused shockwave, with radial shockwave added when clinically indicated
- —Class IV laser post-shockwave care, Rapid Release, and guided exercise included when appropriate
Shockwave remains self-pay. Depending on your plan, the evaluation and other eligible PT services may be covered or reimbursable after your deductible is met.
The separate $60 Laser + Radial Shockwave session does not include focused shockwave. It is not the same service as the $150 focused shockwave care visit.
Recovery & Wellness
Recovery & Wellness — Pricing
Wellness-focused services. Self-pay only — not billed to insurance.
Neural Regulation Session
Self-pay onlyHRV-based Human System Profile™, guided recovery-focused support session, and post-session reassessment. Wellness-focused and self-pay.
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?+
Shockwave and TECAR are self-pay services. If your plan includes applicable physical therapy benefits, evaluations and other eligible PT services may be covered or reimbursable after your deductible is met. Coverage depends on your individual plan.
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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