Yes/ No. We are currently accepting MVP Healthhcare insurance plans, Medicare Part B plans, and Out of Network.

* Yes! We are still able to treat you if you have a different insurance carrier. However, we are out of network with all other insurers. This means that payment is due in full at the time of service. Upon request, you will be provided with a detailed receipt, which you can then submit to your insurance provider for reimbursement. Reimbursement varies plan to plan and is not guaranteed.

We currently accept MVP Healthcare and Medicare Part B.

You will be responsible for your in-network copay/ coinsurance/ deductible at time of service, and the remainder will be submitted to your insurance on your behalf.

Bloom physical therapy is an “out of network” provider with *most insurances. This means that we do not enter into contracts with these insurance providers to receive reimbursement at a specific contracted rate. You will be responsible for paying for your visit in full at the time of service using a credit/ debit card, HSA/FSA funds, check, or exact cash. Upon request, Bloom Physical Therapy will provide you with a detailed receipt, called a superbill, which includes all the required information to submit a claim to your insurance after your session. Many insurance plans include out of network benefits and may reimburse you for a portion of the cost. Bloom Physical Therapy does not submit on your behalf and does not guarantee reimbursement.

Even though we are out of network with *most insurance plans, you can still use your HSA or FSA card to pay for services. Physical therapy is a covered expense.

* We are currently accepting MVP, and Medicare Part B Plans. All others are Out of Network.

Remaining out of network with insurance companies allows Bloom Physical Therapy to provide one-on-one, individualized, and high-quality care. Due to financial and time constraints from insurance companies, many physical therapy practices need to treat a high volume of patients per day, and tend to book multiple patients at one time, which results in less individual attention. Remaining out of network allows Bloom Physical Therapy to keep administrative costs low and provide the individualized care that you deserve. It also allows us to avoid insurance companies dictating the type and number of services provided, and also allows us to provide mobile services. We are able to allocate much more time and resources toward managing your case.

* We are currently accepting MVP, and Medicare Part B plans. All others are Out of Network.

Yes! Physical therapy is a covered expense. You can use your HSA or FSA card to pay for services, no matter who your insurance provider is. Please have your HSA/ FSA card available at time of service. We can securely keep your card on file, so that you don't need to provide it each time.

YES! We accept Medicare Part B and Medicare supplemental plans.

* Please refer to the next question if you have a Medicare Advantage plan.

MVP Healthcare Medicare Advantage plans:

• We are in-network with MVP. You will be responsible for your in-network copay/ coinsurance/ deductible and the remainder will be billed to your insurance on your behalf.

All other Medicare Advantage plans (if you have Excellus, United Healthcare Medicare Advantage, etc.)

• We are out-of-network with all other Medicare Advantage plans.

• However, if you have out-of-network benefits (usually a little higher than in-network, a common example is 30%) then you will only be responsible for your out-of-network copay/ coinsurance/ deductible at time of service, and the remainder will still be submitted to your insurance on your behalf!

• If you do not have out-of-network benefits, then payment is due in full at time of service.

No, as of right now, we are not accepting Worker's Compensation or No Fault.

We accept credit/ debit cards, HSA/ FSA cards, check, or exact cash (we are unable to provide change at this time).

Payment is due at time of appointment. Please see pricing page or contact clinic regarding price.

You are able to securely keep a card on file (including HSA/ FSA cards) to make the payment process smoother.

No/ Yes.. New York is a direct access state. In NYS, you may work with a physical therapist for 10 visits, or up to 30 days (whichever comes first), without an order/ referral from a physician. If treatment is required after 10 visits/ 30 days, then you will need to obtain a referral.

Additionally, insurance companies often require a referral for therapy. For example, if you're using Medicare to cover services, you will need a referral for therapy.

We come to you! We are only able to service the Rochester, NY and close surrounding areas at this time. We will arrive to your home at your appointment time (+/- 10 minutes) and bring all necessary equipment with us.

We recommend wearing comfortable clothing that you're able to move around in, similar to what you might wear to work out in at the gym.

Bloom Physical Therapy's physical therapist (Dr. Rachel Gulvin, DPT) has completed extensive training and has years of experience working with people with vestibular and neurological disorders, including experience working at one of the top neurological rehab hospitals in the world, The Shirley Ryan AbilityLab, during her time in Chicago.

Bloom physical therapy is a mobile PT practice, which means that we come to you. You no longer need to figure out transportation, drive during inclement weather, worry about being too dizzy to drive home after an appointment, or worry about privacy or managing symptoms in a busy/ bright/ loud clinic.

Every session is always one-on-one. You do not need to share your time with other patients or clients as is the case in most outpatient PT clinics. This allows your therapist to reassess whenever needed, provide truly individualized care, adapt treatment sessions based on your current presentation or symptoms, and collaborate with other providers as needed.

Since Bloom Physical Therapy does not contract with most insurance companies (which requires a lot of administrative work), your therapist can allocate more time to your case, even outside of treatment sessions. You'll have access to HIPAA compliant messaging with your therapist (during business hours) to answer questions and provide support, and custom home exercise programming.

Initial Evaluations (your first appointment) are usually 60- 90 minutes in length.

Treatment session generally last 45-60 minutes, depending on the person and their specific needs.