Insurance  and Frequently Asked Questions 

Insurance + Frequently Asked Questions (FAQ)

No, Washington DC law allows you to see a physical therapist without needing to see a physician first. This is called "direct access".
Some insurance companies may be more likely to reimburse costs of treatment if a physical referral pre-dates physical therapy, but please don't let that slim possibility delay your own care. 

In order to provide the highest quality care, including standard one hour, one on one appointments, we do not accept health insurance as a form of payment.

We do, however, always email receipts of payments at the time your card is charged. Upon request will provide you with a superbill or more detailed invoice, for you to pursue reimbursement from your health insurance provider. 

To estimate what you may receive from your insurer before seeing an out of network physical therapist, follow these steps:

1. Check if you have out of network (OON) benefits. PPO plans typically have out of network benefits. HMO plans typically do not. Wellilo clinic practitioners are  "non-participating providers" in Medicare at this time, and OON reimbursement is not possible from this program.

2. Look up what your OON deductible is for the current year or plan cycle. Sometimes it is bundled with your in-network deductible, sometimes separate. These amounts can vary wildly. At the time of writing this, the Federal BCBS "Standard Blue" plan total deductible is $350. However, this is subject to change, and you should always check first with your insurer for details.
3. Look up the coinsurance or percentage of OON physical therapy services that would be responsible for paying. You may also ask about coverage limits in terms of dollars per year, visits per year, or visits per condition. For example, with the Federal BCBS "Standard Blue" plan, if you see an out of network physical therapist, you are responsible for 35% "coinsurance", and are subject to a 75 visit limit/calendar year for all diagnoses combined. Therefore at the time of this writing, on this plan, each in-person physical therapy follow up visit at Wellilo would cost you approximately $70 (or less for telehealth). In network, insurance-based physical therapy on the same plan (typically less than 30 minutes of one on one time with your PT) would have a $30 copay.

4. Find out if your insurer requires a prescription for physical therapy or if pre-authorization is needed (rare).

5. Learn the steps for submitting for reimbursement. Most insurers have web portals where out of network reimbursement requests can be submitted.

Services not provided by or under the supervision of a licensed healthcare professional or under the license of a health care provider (i.e. "Yoga", "Movement") are generally not reimbursable.

All of the information provided here is intended as a guide, and does not equal a guarantee that reimbursement will occur. 

We believe in price transparency. Therefore all of our prices are listed on our booking site. Please click "Book Now" in the menu at the top of this page to see details or head to 

Yes. To inquire about a package of our services, please email [email protected]

Wellilo follows a few principles that are rare in healthcare:
1. Get to know your practitioner prior to your first visit, in our "Are We A Good Fit?" sessions.
2. Trust that we will never treat you as a single body part or as a broken human. We believe in your potential, and take a holistic approach.
3. Post-visit follow-up messages summarizing your main takeaways from your session (so you never lose your "homework!").
4. Easy between-visit messaging for clarifying questions or concerns.
5. Your session documentation is made visible to you, both in an effort for transparency and a belief that you own those notes, and to facilitate communicating with other health care providers current or future.  
6. We understand that tissue healing or other shifts in your well being take time. Unlike some clinics, we never push too-frequent visits on clients. We can accomodate you whether you can attend a session once a month or twice a week. There is a time and place for all.   
7. Don't see a spot on our schedule that works for you? Easily add yourself to our waitlist for your desired time (on booking page) or message your practitioner with your availability and request.  

Your well being truly matters to us, and we aim for all aspects of our services and care to be in alignment with that. 

All recipients of medical care are entitled to a Good Faith Estimate Under the No Surprises Act, as of January 1st, 2022.

In other words, we will always be (and have always been) willing to estimate your expected cost of care. This can be done in an "Are We a Good Fit?" session or -- more accurately -- after your first physical therapy evaluation.
Most of our patients are seen once a week, or once every two weeks. The duration of your course of care is impacted by many factors, but non-chronic issues typically resolve in a few sessions or a few weeks. Chronic conditions can take much longer to resolve, and visits can be spaced out according to personal preferences, practitioner recommendations and tissue healing timelines.