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Bluefin Health

Insurance & cost

Know what you’ll pay before you book.

We verify coverage up front, show self-pay prices clearly, and only charge your card once your visit is complete.

Medicare

Physical therapy at home can be covered under Medicare Part B as outpatient therapy when it’s medically necessary. You typically pay 20% of the Medicare-approved amount after your Part B deductible — less if you have a supplemental plan.

Read the Medicare guide

Private insurance

We work with many commercial and Medicare Advantage plans. Copays, deductibles and visit limits depend on your plan — we look them up for you and share the numbers before your first visit.

Self-pay

Prefer not to use insurance, or have a plan that doesn’t cover PT? Self-pay rates are shown upfront in the app before you book, with nothing added later.

How billing works

Four steps, zero surprises.

  1. 1

    Share your card

    Upload a photo of your insurance card in the app or when our team calls.

  2. 2

    We verify benefits

    Our team confirms coverage and your expected cost per visit.

  3. 3

    Save a payment method

    Your card is stored securely by our payment processor — never on our servers.

  4. 4

    Charged after the visit

    Payment is taken only once your visit is marked complete. Receipts live in the app.

Questions

Coverage, answered.

When will I be charged?
You add a card when you book, but it is only charged after your visit is complete. If you cancel ahead of time, you are not charged. Receipts are available in the app.
What if my insurance doesn’t cover a visit?
We verify your coverage before your first visit is confirmed. If something isn’t covered, we tell you first and explain your options — including self-pay — so you can decide.
Do I need a referral?
It depends on your state and your plan. Many patients can be evaluated without one; Medicare and some plans require a physician to certify your plan of care. We’ll tell you exactly what your plan needs.
Can I use an HSA or FSA card?
Physical therapy is generally an eligible medical expense for HSA and FSA accounts. Check with your plan administrator to confirm.
How is my insurance information protected?
Insurance card images are stored encrypted in private storage and are only viewable by authorized staff through short-lived, secure links. Every access is logged.

Want us to check your coverage?

Request a visit and choose your coverage type. We’ll verify your benefits and walk you through the numbers before anything is booked.

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