Insurance & Payment
This section is about basic questions everyone has about our services:
Insurance: what is covered, how to find out what kind of coverage you have, and how to get reimbursed. We urge you to carefully read this page as it takes you, step by step, through the process.
Payment: how, how much, and more.
Creative financing: a summary of different ways patients with limited means were able to secure the needed funds for their treatment. It is a true compilation, and it is being updated regularly.
Contact Us if you have further questions, or if you need more help.
* This information applies to USA health insurance companies only *
We are fee-for-service specialists and do not participate in any insurance company except Medicare. By remaining independent of insurance constrains, we can give you our undivided attention, design a treatment plan that is most suitable to your needs, schedule as many visits as required for a full resolution, and spend as much time with you as needed during treatment and after hours.
The good news is that our services ARE covered by most insurance companies under one of the following parameters:
You have out-of-network benefits and can go to any healthcare provider you choose. If this describes your medical benefits, then you will need to submit our paid receipts for reimbursement as per your policy’s allowances.
- You do not have out-of-network benefits and must use doctors in-Network only: follow instructions below for getting
an Exception (In-for-out).
Click here for a prepared claim form for reimbursement. Complete the top part with your demographics (Boxes 1 to 10), sign (Box 12) and save a master copy so you won’t have to redo the details. When ready to submit, print as many copies as needed, attach Dr. Katz’s invoice/s to one claim form and Dr. Tabisel’s to another claim form, and submit each in a separate envelope (to prevent insurance processing errors) to the address on the back of your insurance card or the address the insurance gave you. Save copies of submitted forms & invoices should you need to follow up with them.
To find out what type of coverage you have, call your insurance company and ask them if you have out-of-network benefits for physical therapy and for mental health; there may be 2 different numbers to call, one for each.
If you have out-of-network benefits:
Inquire about your remaining annual deductible (the money you need to pay out of pocket before they begin to reimburse), and
Find out if you need prior authorization and/or a referral for our services, billed under physical therapy and mental health (psychotherapy). Make sure to take care of it in advance or you may find that they reject your claim, and
Find out from your insurance company what is the submission address for your claims.
If you come for the 2-week program for vaginismus, also inquire about their coverage for twice-daily sessions.
We accept all modes of payment: cash, bank checks, certified checks, wire transfer, travelers’ checks, and all major credit cards.
If you do not have out-of-network benefits:
You may want to seek an Exception, which is coverage at in-network fee for an out-of-network provider. An Exception is sometime called an In-for-Out or PPO Waiver.
- Check with your employer if they offer the services of a Health Advocate who can fight on your behalf.
- An Exception will typically be granted only for the physical therapy (medical) part of our services, but we’ve seen situation when it was also granted for the mental health portion of our service, so do not hesitate to inquire about both. See below what to say for physical therapy exception. For mental health exception, tell them you are seeking the services of a licensed social worker who specializes in counseling women with psychosomatic genital disorders including vulvodynia and pelvic pain.
Before calling the insurance company for an Exception, make sure to read the rest of the content below for what to say, and what not to say.
Also read Fighting Insurance for Approval, a step-by-step description of the process as reported by a former patient.
When calling the insurance and initiate the process of an Exception, write down what they tell you that you need to do. Typically, the date you call is the effective date of your request and the Exception, when granted, will be retroactive to it. If possible, ask for a confirmation number, a written confirmation, or any other such proof, and definitely keep a log of who you spoke with.
Once you made that initial call, you will, typically, need to show them that there is no suitable clinician within a 30-mile radius of your home, yet some insurers will insist that you try a local participating provider (for 1-3 visits) before they would entertain an Exception, while others will do their own investigation.
To establish the lack of availability of a local provider, you will need to call 3-4 physical therapy practices that are on your Participating Providers list (or search for them here) and inquire if they treat what you have (see list of conditions at the bottom of this page).
Keep a log of the date you called, the time, and the name of the person you spoke with as the insurance may ask for it. Sometime the insurance company will do this checking for you and then advise.
When inquiring with providers, you should be looking for a clinician with expertise, experience, and with an established treatment methodology, so do not hesitate to ask specific questions, such as:
How do you define/explain my condition?
What does a typical treatment session consist of?
How long will the treatment process last? What is the definitive end date?
What is the frequency of treatment sessions?
Who will be treating me?
How many patients with my condition do you treat daily, weekly, monthly?
What is your success rate?
What negative feedback do you get?
Do you offer a cure, or just treat my condition?
How do you define a cure from your treatment? A successful result?
How many years have you been working with patients with my condition?
How does your schedule look? How soon will I be able to get in?
If you are visiting their clinic in person: can I see what the treatment room looks like?
Once you ascertain that there are no suitable physical therapists within network, call the insurance back with the information and expedite your Exception.
At times, you may need to speak with more than one insurance representative until you will get one (a female?) who will be sympathetic to your problem (see below what to say/not say!).
The insurance company will contact us, if needed, to verify details.
A letter from your physician, specifically referring you to us because of our specialized services and because there are no suitable providers In-Network, may help your case a great deal. Let us know if you want a sample letter emailed to you.
Even if your Exception is approved, you will need to pay us and submit our invoices for reimbursement as per the Exception‘s monitory arrangement, which we cannot control. We accept all modes of payment: cash, bank checks, certified checks, wire transfer, travelers’ checks, and all major credit cards.
Did the insurance deny your request? Do not give up but rather embark on the process of an Appeal; it may take up to 3 Appeals to get approved but nearly everyone who persevered (fought through the Appeal/s) got approved. You may want to read Vaginismus treatment – an appeal letter to insurance. Contact us if you need further assistance for the Appeal.
If you have The Empire Plan (NYSHIP) plan and live in the five boroughs of New York City/Long Island/Westchester: you must first come in for the initial evaluation, and give us a copy of your insurance card so we can submit an authorization request to cover that visit and subsequent visits. They will typically reply to us via fax within 3 business days.
As of March 2017: OptumHealth/Oxford seems to approve Exceptions at a fairly favorable rate of reimbursement. You will need to start the process: call the number on the back of your card and ask to be transferred to the Prior Authorization department; once there, give your information and ask for an Exception/In-for-Out. They may ask that we call, at which case email us with their info & a photo of your insurance card & your date of birth. Once they will ascertain that there are no available providers in-network who offer the same treatment as we do, they will contact us to discuss rates. Once approved, they will note your record for the ‘agreed rate’ we will charge you per session less your co-pay, annual deductible, and approximately a 10% service fee reduction (their regulations) = about 70% reimbursement per session once you submit our invoice. Note: do the same for mental health to for a better yet combined reimbursement.
If you are insured by UnitedHealthcare Community Plan: your referring physician needs to call them to initiate an Exception to come to us.
If you are insured by Palladian Health: they, too, have been favorable with granting an Exception to our patients. You may need to keep on top of them for a while so be patient yet persistent.
If you are have a Tricare Prime plan: patients received reimbursement for both our services once a request for pre-authorization was submitted (75% for medical/physical therapy, 50% for mental health).
How to describe ‘the problem’ to the insurance representative (only if they ask!):
Pelvic floor muscle spasms that come and go throughout the day/night, extremely painful gynecologic exam/vaginal ultrasound, muscle spasms that disrupt voiding
Pelvic floor muscle weakness
Prolapse of uterus, bladder, rectal canal
Incontinence (urinary and/or fecal).
Sadly, female sexual problems are not covered conditions so do not speak about vaginismus or about painful sex!
Sounds complicated? Not really, as long as you follow the instructions above. We routinely treat patients who persevered and were nicely reimbursed.
It is up to you and your finances to decide if to start the treatment regardless of insurance approval and fight for reimbursement later, or to defer the treatment until you are approved by the insurance. We will help you either way.
Contact Us if you need treatment codes for further discussion with your insurance company, or help beyond the above. Attaching a jpg of the front & back of your insurance card, and your date of birth, will facilitate the conversation.
We are fee-for-service specialists. By remaining independent of insurance constraints, we can give you our undivided attention, design a treatment plan that is most suitable to your needs, schedule as many visits as required for a full resolution, and spend as much time with you as needed during treatment and after hours.
However, our services ARE often covered by insurance, and you are urged to read the Insurance page for information on how to go about it.
The cost of the treatment is not posted so as to avoid outdated information, so contact us for current prices. All fees are in US Dollars.
We accept all modes of payment: cash, personal checks (from NY banks only), bank checks, certified checks, wire transfers, travelers’ checks, and all major credit cards.
Let us know if you need an insurance claim form and/or instructions on how to submit it — we’ll be glad to help.
On the rare occasion that your insurance sends us your refund check, we will mail it to you for processing.
You may want to read Creative Financing for more ideas of how to pay for the treatment.
For some, the cost of treatment does not pose a financial concern. For others, it may make it prohibitive. The following are creative ways that past patients with limited funds used to afford the treatment (these are true accounts as told us first hand):
Book months in advance and use the time in between to save money.
Approach a family member, typically the mother/grandmother, tell them about the problem (a medical condition that needs help!) and ask for financial assistance, a loan, etc.
Pay by credit card, and then make monthly payments to the account.
Get a loan from a Credit Union.
Take a part-time job to supplement income.
Take out a loan, a second mortgage on your house, or a Home Equity loan. Read Becky’s testimonial.
Use money in Medical Flex Spending account.
Raise donations, such as through GoFundMe or GoGetFunding.com. Can’t believe it? You may want to read Couple can’t have sex due to painful condition, vaginismus, and also watch the video below about another woman’s success going this route.