Insurance, billing & FAQs

Clear answers before you begin.

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.

In-network

CareFirst BlueCross BlueShield

Your deductible, copayment, or coinsurance still depends on your individual plan. Please call us so we can help verify your specific benefits.

Out-of-network

All other commercial plans

If your plan includes out-of-network physical therapy benefits, it may reimburse part of your care. Your insurer determines eligibility and payment.

Before scheduling

If you have Medicare

Limitless Physiotherapy is not enrolled in Medicare and does not bill Medicare. If you want to use Medicare benefits for physical therapy, please choose a Medicare-enrolled provider.

Do you take my insurance?

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.

Dry needling is an add-on service for patients using CareFirst insurance benefits. Please call us to discuss your treatment options.

Which plans may include out-of-network benefits?

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:

  • Aetna PPO
  • Cigna / Allegiance
  • Johns Hopkins EHP PPO
  • UnitedHealthcare PPO
  • Auto Insurance / Personal Injury Protection (PIP)
  • Workers' Compensation
  • Other out-of-network commercial plans

We highly recommend contacting your insurance company to ask whether your 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.

What are the benefits of seeing an out-of-network physical therapist?

Out-of-network care can offer a different scheduling and treatment model, but the financial value depends on your plan, deductible, allowed amount, reimbursement, and individual clinical needs.

At Limitless Physiotherapy, you receive uninterrupted time with your skilled physical therapist, every time. Hands-on treatment, education, and exercise are selected and adjusted throughout the session. The number of visits and your response to care will vary.

I have Medicare. What should I do before scheduling?

Limitless Physiotherapy is not enrolled in Medicare and does not furnish or bill Medicare-covered physical therapy services. If you want your physical therapy to be covered by Original Medicare or a Medicare Advantage plan, please choose a Medicare-enrolled provider.

Medicare is different from ordinary out-of-network commercial insurance, so we do not provide Medicare claims or superbills for self-submission. If you are seeking a service that may fall outside Medicare coverage, please call before scheduling so the service can be reviewed first.

What should I bring to my first visit?

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.

What is dry needling?

Dry needling can reach deep myofascial trigger points—often described as “knots”—associated with local and referred pain. It is used only when clinically appropriate, after the treatment and alternatives have been explained to you.

Read the complete dry needling FAQ
Where is the clinic located?

Limitless 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 when you are

Your story deserves to be heard.

Request an evaluation through our secure SimplePractice portal, or call if you would like to talk through your situation first.