Insurance, billing & FAQs
Our insurance model exists so that clinical decisions can stay centered on you. Here is the fuller explanation of what that means, what may be covered, and what to ask your insurance company.
Limitless is in-network for covered physical therapy services. Your deductible, copayment, or coinsurance still depends on your plan.
Dry needling is optional, billed separately, and carries an additional fee when you choose it.
If your plan includes out-of-network physical therapy benefits, it may reimburse part of your care. Your insurer determines eligibility and payment.
Limitless is not enrolled in Medicare and cannot provide Medicare-covered physical therapy. That does not automatically rule out every service: certain non-covered services may be available on a private-pay basis after we review what you are seeking.
Plans worth verifying
These are examples patients may want to check more closely before scheduling. Benefits can change by employer group, plan year, member, deductible, and service, so the plan name alone does not guarantee coverage or reimbursement.
Howard County Public School System (HCPSS)
This employer plan may include out-of-network physical therapy benefits worth checking before your first visit.
Johns Hopkins Applied Physics Laboratory (APL)
Ask about out-of-network physical therapy benefits, the deductible, allowed amount, coinsurance, and claim requirements.
Oracle
Some PPO options may include reimbursement for out-of-network physical therapy after applicable plan requirements are met.
Trader Joe's
Limitless participates with the Trader Joe's CareFirst plan. Unlike most CareFirst/BCBS plans, this plan includes coverage for dry needling. Deductibles, copayments, coinsurance, authorization, and other member-specific rules still apply.
Your plan may still be a good fit
Other PPO and commercial plans may also include useful in-network or out-of-network benefits. Contact us and we will help you identify the right questions to ask your insurer.
Limitless Physiotherapy mainly operates as an out-of-network provider. Our model is intentionally built around uninterrupted time with your physical therapist instead of shared appointments, rotating clinicians, or delegated portions of a visit.
Working directly with each patient allows the examination, hands-on care, education, and exercise during the visit to remain individualized and responsive to what we find together.
We are in-network with CareFirst BlueCross BlueShield plans. There may still be deductibles, copayments, or coinsurance as your cost-sharing requirement under your specific plan. Please call us so we can verify your specific plan benefits with you.
CareFirst coverage and dry needling are not the same thing. Dry needling is a separate, optional service at Limitless and carries its own fee when added to a CareFirst visit. We explain the cost before treatment so you can decide whether you want it included.
If your insurance plan includes out-of-network physical therapy benefits, it may cover part of your care. Plans that may offer those benefits include:
Employer plan designs and benefits can change. We highly recommend contacting your insurance company to ask whether your current plan covers out-of-network physical therapy. Use our benefits worksheet for the specific questions to ask. Coverage and reimbursement are determined by your insurance company and are not guaranteed.
At Limitless Physiotherapy, the out-of-network model protects the care patients are choosing: uninterrupted time with the same skilled physical therapist, every visit. Dr. Lim performs the examination, skilled hands-on treatment, dry needling, education, and exercise progression himself instead of dividing the appointment among other patients or staff.
Your personal cost still depends on your plan, deductible, allowed amount, and reimbursement. We can help you identify the specific benefit questions to ask before scheduling.
Sometimes—but only when the service is genuinely outside the Medicare physical therapy benefit. Limitless Physiotherapy is not enrolled in Medicare and cannot accept private payment for physical therapy that Medicare would otherwise cover. If you want to use Medicare benefits for physical therapy, you should choose a Medicare-enrolled provider.
Some services may fall outside Medicare coverage. Many uses of dry needling are non-covered by Medicare, and a genuinely wellness-focused service may also be outside the Medicare therapy benefit depending on its purpose and content. Those services may be available on a private-pay basis after Dr. Lim reviews what you are seeking.
Please call before scheduling. We will determine whether the requested service can appropriately be offered outside Medicare, explain the fee in advance, and tell you plainly if a Medicare-enrolled provider is the correct path. Limitless does not submit Medicare claims or provide superbills for Medicare self-submission.
Please complete the intake forms through the secure patient portal. Bring loose-fitting shorts, a T-shirt, and a sports bra or tank top when appropriate so the clinician can access the areas that may need hands-on treatment.
Please also bring any relevant imaging reports or medical documents. If you have not completed the intake forms before your visit, allow approximately 15 additional minutes.
Dry needling uses a thin, solid monofilament needle to precisely access selected muscles and trigger points that may be contributing to pain, guarding, or restricted movement. At Limitless, the response is reassessed and connected to movement or loading whenever appropriate. Treatment, alternatives, and relevant risks are explained before you decide whether to proceed.
Read the complete dry needling FAQLimitless Physiotherapy is located at 9192 Red Branch Road, Suite 120, Columbia, Maryland 21045—across Red Branch Road from CubeSmart Self Storage. Look for The Body Image Therapy Center sign, park in the lot, enter through the main entrance, and proceed to Suite 120.
Ready to move forward?
Schedule your evaluation through our secure SimplePractice portal, or call if you have questions before booking.
