AboutFinancial Information
I am out-of-network with all insurance companies.
I accept HSA/FSA. I can provide a superbill for you to submit to your insurance company for possible reimbursement.
Financial InfoMint Physical Therapy is a cash-based private practice. Here's why:
Insurance companies dictate how many physical therapy treatments are allowed/must happen in a certain window of time. You can have too many, or too few treatments in that window. Usually, the minimum is 1 physical therapy treatment per week. Any less than that is considered "not medically necessary" and the physical therapy claim is denied and the patient is responsible for payment.
I treat my patients one time every 3 weeks or beyond. Insurance companies don't like that and won't pay.
This means I do not accept insurance. I am out-of-network with all insurance companies. I do not accept Medicare or Medicaid.
I can accept HSA/FSA.
I can provide a superbill*, which is a document with ICD-10 diagnosis codes and PT procedure codes that you can submit to your insurance for possible reimbursement. It is your responsibility to know if you have met your deductible or if my services are eligible for reimbursement with your insurance company. I will provide any documentation required for reimbursement.
*I cannot provide a superbill for you to submit to Medicare or Medicaid.
I will not contact your insurance company, representative, or union on your behalf.
Financial InfoIndividualized care without restrictions from insurance companies.
Why a Cash-Based Model?
This model gives me the freedom to:
- Spend quality time with each patient
- Create truly personalized treatment plans
- Avoid insurance red tape and limitations
- Provide the highest standard of care
My Rates
Adult treatment: $200 per 60-minute session
Pediatric treatment: $75 per 30-minute session or $150 per 60-minute session
Payment & Reimbursement
- Payment is required at the time of service
- Accepted: Zelle, cash, credit card, or check
- Zelle payments should be sent to: ReneeBergumDPT@gmail.com
(not the phone number)
About Insurance
I do not accept insurance, Medicare, or Medicaid. However, I can provide a superbill with procedure and diagnosis codes that you may submit to your insurance for possible reimbursement.
It's your responsibility to confirm eligibility or deductible status with your provider. I will provide documentation as needed but I do not contact insurers on behalf of patients.
HSA/FSA: Health Savings Accounts and Flexible Spending Accounts can typically be used for PT services.
Treatment Frequency
Most patients begin with sessions every 3 weeks until symptoms improve, then gradually space visits further apart.
Typical Care Plan:
- Expect improvement within about 3 sessions ($600 across 2-3 months)
- Most symptoms resolve within 5–6 sessions ($1000–$1200 over 4–5 months)
- Chronic or complex cases may require 10–12 sessions ($2000–$2400 over 9–12 months)
Some patients choose to continue with periodic maintenance sessions once they're symptom-free.
Transparency Statement
You'll always know your expected costs before treatment begins. I'm happy to discuss your care plan and financial considerations during your consultation.