Insurance & Accepted Plans

New York State allows patients to begin physical therapy without a physician referral for up to 30 days or 10 visits under Direct Access. However, most insurance plans - including Medicare, Medicaid, and commercial plans - require a physician's prescription or referral for PT services to be covered. No-Fault and Workers' Compensation always require a physician script. When you call to schedule, our team confirms exactly what your specific plan requires so you can get the prescription from your doctor before your first visit if needed.

Yes - New York State No-Fault insurance covers medically necessary physical therapy and diagnostic testing (including EMG/NCS, evoked potentials, musculoskeletal ultrasound, and VNG) up to the $50,000 basic economic loss benefit limit, with no patient co-pay or deductible. A prescription from your treating physician or the emergency physician is required. We handle all No-Fault authorisations (NF-3 forms), monthly progress notes, and any carrier disputes or peer review responses - you do not need to manage the insurance process yourself.

Call us at (718) 826-3200 and give us your insurance plan name and member ID. Our intake team verifies your network status in real time - usually within a few minutes for major commercial plans. If we are not in-network with your specific plan, we will let you know your out-of-network options and provide an honest estimate of what treatment would cost under your out-of-network benefits. We never schedule a patient without confirming their coverage first.

Yes. Patients who prefer to pay out-of-pocket - whether to preserve No-Fault benefits, avoid using a deductible, or simply for simplicity - are welcome at Dynamic PT. Self-pay rates for physical therapy and diagnostic services are discussed transparently during the intake call, and you receive an itemised estimate before proceeding. Our free complimentary assessment is available to all new patients regardless of insurance status - there is no cost for the initial evaluation.

If a No-Fault carrier issues a denial - through a peer review or IME-based decision - we respond with comprehensive clinical documentation and manage the appeals process on your behalf. We do not abruptly end your care when a carrier denies a claim. If the denial is sustained after the appeals process, we discuss alternative payment options with you - including whether your health insurance, a letter of protection through your attorney, or self-pay arrangements are available - before any change to your care takes effect.