Insurance & Out-of-Network
Do You Take My Insurance?
Short answer: no — by design. Here's the plain-English version of how payment works here, what leaving the insurance model buys you, and how your plan can still pay you back.
How This Works · 90 Seconds
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Why I'm cash-pay — and how reimbursement still works in your favor.
Resilient Mobility is out-of-network with every insurance plan — including Blue Cross Blue Shield and UnitedHealthcare. Not because we couldn't join their networks, but because their networks come with their rules: short visits, approved-code care, and a plan written by a claims system. This clinic was built to practice above that line.
What the insurance model buys
- 10–20 minute visits, often split across patients
- Care limited to what your plan pre-approves
- Visit counts set by the payer, not your progress
- A different provider or aide session to session
What this model buys
- A 90-minute evaluation, then visits sized to the day's work — 30 to 90 minutes, one-on-one
- A plan built on what the evaluation finds
- Progression paced by your reassessments
- The same clinician who did your evaluation — every time
How Payment & Insurance Actually Work Here
No fine-print games. The questions people actually ask, answered straight.
No — with any plan, including Blue Cross Blue Shield and UnitedHealthcare. You pay for your care directly. That's the deliberate trade this clinic makes: your fee buys time and attention that in-network billing structurally cannot fund. A ninety-minute evaluation — and follow-ups sized to your body and your goals that day, thirty to ninety minutes, never a billing slot — exist here because no claims system is deciding what a visit is worth.
Often, yes — through your out-of-network (OON) benefits. The part that matters is your plan type, not your carrier: many PPO plans — including BCBS and United PPOs — reimburse a percentage of out-of-network care after you meet a deductible. You pay directly, then your plan pays you back a portion. HMO plans typically don't reimburse out-of-network care. It's never the full fee and never guaranteed — but for many people it meaningfully offsets the cost of premium care.
Before you decide anything
Check your coverage in 30 seconds
Enter your plan below and see your out-of-network estimate instantly — no phone call, no commitment, and you don't have to be a client.
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You submit the claim to your insurer — but the hard part is done for you. Most cash-pay clinics hand you a vague receipt and wish you luck. Here, established clients receive a clean, itemized superbill prepared in-house, coded correctly the first time, with everything your insurer needs. Submitting it is a few minutes and one document — not a project.
I'd rather do that work than water down your care to fit an insurance company's rules.
Depending on what a session involves, a superbill may include codes like:
- 99203 — New patient evaluation (office visit)
- 97140 — Manual therapy
- 97810 — Acupuncture, initial 15 min
- 97811 — Acupuncture, each additional 15 min
- 97814 — Acupuncture with e-stim, each additional 15 min
A code appearing on a superbill isn't a promise your plan covers it — coverage is set entirely by your individual out-of-network benefits.
Once a claim is submitted, most plans take roughly four to six weeks to process and reimburse you directly. A first-time denial isn't the end of the road — resubmitting with corrected details often works, and I help clients handle that.
Please note: Resilient Mobility is a cash-pay clinic and is not in-network with any insurance plan, including Blue Cross Blue Shield and UnitedHealthcare. You pay for your care directly. After your session I provide an itemized superbill so you can submit an out-of-network reimbursement claim to your insurer — but whether you are reimbursed, and how much, is determined entirely by your individual plan and your out-of-network benefits. I cannot guarantee reimbursement. Coverage figures shown by the benefits checker are estimates based on your plan type, not a guarantee of payment. The 90-minute Mobility IQ evaluation may not be reimbursable; it is listed on a superbill for completeness, but should not be counted on for coverage.
Not sure where you'd even start? The Mobility IQ Quiz is a free 5-minute self-check — no call, no commitment, just a clearer picture of where you'd begin.
Find Your Mobility IQ5 minutes. No commitment. Just your score.