Insurance & Payment
Many patients visit this page to understand whether pelvic floor physical therapy is covered by their insurance. Below is a clear overview of how insurance and payment work at My Pelvic Therapy.
Blue Cross Blue Shield of Illinois
My Pelvic Therapy is an in-network provider for the following
Blue Cross Blue Shield of Illinois networks:​
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​BCBSIL PPO Plans
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BCBSIL Blue Choice
​Note specific coverage varies by plan, so it's always a good idea to confirm details directly with BCBSIL.
A Few Helpful Things to Know:
​👉 No prescription or referral is needed to start PT
👉 No prior authorization is needed for most PPO plans
👉 All BCBSIL claims are submitted electronically for you on your behalf
Other Insurance Plans
My Pelvic Therapy is out-of-network with insurance plans outside of BCBSIL PPO and Blue Choice.
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If you have a different insurance and you think you may have out-of-network benefits, you may request a superbill following each visit, which you may then submit to your insurance company directly for possible reimbursement.​​
Using HSA or FSA Cards
Pelvic floor physical therapy is considered a qualified medical expense and is typically covered by HSA (health savings account) and FSA (flexible spending account) plans when care is medically necessary.
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Many patients use HSA or FSA funds to pay for visits, including virtual pelvic floor physical therapy, either on their own or alongside insurance coverage for copays, deductibles, or other out-of-pocket costs. This allows you to use pre-tax dollars for care .
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If you have questions about your specific plan, be sure to contact your HSA or FSA administrator.
Self-Pay Options
Self-pay is a common option for pelvic floor physical therapy, especially for virtual care.
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Discounted self-pay rates are available
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A package of 5 visits is offered at a reduced rate for further savings
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HSA and FSA cards are accepted​
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If you have questions about coverage, payment options, or how to get started, we're happy to help clarify what to expect.
Insurance vs. Self-Pay Rates
Insurance visits are billed at standard rates based on the services provided during each visit. Your final responsibility depends on your specific plan, including deductibles, copays, or coinsurance.
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Self-pay rates are discounted and offered as a transparent alternative for patients who prefer to pay directly. Many patients choose this option for its simplicity, transparency, and predictability.
Ready to take the next step?
If you already know you’d like to work together, you can schedule a visit directly.
If you’re still figuring out whether pelvic floor physical therapy is right for you, the Pelvic Floor Quiz can help you understand what may be going on and what your next step could be.
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You don’t need to have everything decided — either option is a good place to start.