1. Medicare / Federal Insurance Clients No, they cannot be reimbursed for your services if those services are “therapy” or “rehab.” By law, if a service is normally a covered benefit (like skilled OT/PT), a Medicare beneficiary cannot waive their coverage and pay cash for it. That’s why you must only offer wellness/performance services to those clients. Since those are not covered benefits, there is no reimbursement pathway for them. 2. Private Insurance (non-Medicare) Sometimes, yes. Many private-pay clients can submit a “superbill” to their insurance company for out-of-network benefits. Reimbursement depends on their plan. Some may get partial payback, some none. 3. HSA/FSA Accounts Yes, many clients can use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to pay for your services, as long as the service qualifies as health-related.

We do not bill insurance, including Medicare, Medicaid, or other federal insurance programs. Due to federal regulations, we cannot provide therapy or rehabilitation services to Medicare or Medicaid beneficiaries, even on a self-pay basis. However, we are able to offer wellness, fitness, and performance-based services to these clients. These services are not covered benefits under Medicare or Medicaid, which means you may choose to pay privately if you’d like to work with us on your movement, health, and performance goals. If you have private (non-federal) insurance, you may be able to submit an out-of-network claim to your insurer for possible reimbursement. Many clients also use HSA/FSA funds to cover our services.