Insurance & pricing
No referral needed to start
Hawaiʻi law lets you see a physical therapist directly — no doctor’s note required for us to evaluate you. Some insurance plans still want a referral or prior authorization before they’ll pay, so check what yours asks for below. Not sure where you stand? Call us and we’ll help you check.
Plans we accept
Insurance-based physical therapy on the North Shore. Call to check your plan, your PT benefits and any referral or authorization it needs before your first visit.
Military & veteran care
TRICARE
For about 10 years we’ve cared for TRICARE beneficiaries: active-duty service members, military families and retirees.
Military & veteran care
VA Community Care
We care for veterans through authorized VA Community Care referrals, and coordinate with your VA care team.
PPO · Akamai AdvantageBlueCard (out of state): ask us- MedicareIncluding many Medicare Advantage plans
QUEST- QUEST Integration
QUEST- Workers’ compensationCity & County of Honolulu, educators and other approved claims, once your claim is authorized.
- Auto / no-fault (PIP)We bill your auto insurer directly. Bring your claim number.
Plus most Medicaid plans. Medicare, including many Medicare Advantage plans.
Not accepted: Kaiser Permanente and ʻOhana Health Plan.
Also ask us about
- Out-of-state Blue Cross Blue Shield (BlueCard) and the Federal Employee Program (FEHB / PSHB).
- Union and employer plans, including the Masters, Mates & Pilots Health & Benefit Plan, ATMA and Turtle Bay employee coverage.
Participation, benefits, referrals and authorizations vary by plan. Checking your coverage isn’t a guarantee of payment.
Don’t see your plan? Call or text us and we’ll check your coverage.(808) 260-7210 · text (808) 260-7210
What your plan requires, and what to bring
| Plan | What it requires | What to bring |
|---|---|---|
| Medicare, including many Medicare Advantage plans | No referral needed to start. We send your plan of care to your doctor to sign. | Photo ID, Medicare card |
| HMSA | An order from your doctor, PA or APRN, plus prior authorization for visits beyond your first evaluation | Doctor’s order, insurance card |
| UHA | An order from your doctor; prior authorization kicks in after 8 visits | Doctor’s order, insurance card |
| HMAA | Call and we’ll help you check | Insurance card |
| Cigna | Call and we’ll help you check | Insurance card |
| Med-QUEST (Hawaiʻi Medicaid) | AlohaCare, HMSA QUEST and UnitedHealthcare Community Plan. What’s needed depends on your plan | Insurance card |
| TRICARE Prime | A referral from your PCM | Referral, military/insurance ID |
| TRICARE Select / VA Community Care | Select: no referral, though some services need authorization. VA Community Care: a VA referral | Insurance ID or VA authorization |
| Workers’ comp | A written prescription from your treating physician, plus your claim number | Claim number, employer/insurer info, doctor’s prescription |
| Auto / no-fault (PIP) | We bill your auto insurer directly | Claim number, auto insurer information |
Self-pay
If you’d rather pay directly, or you don’t have coverage that fits:
Self-pay rates aren’t posted online. Call (808) 260-7210 or text (808) 260-7210 and we’ll quote you.
If you have Medicare, federal law requires us to bill Medicare directly for covered services rather than charge you cash.
Billing & payments
Venmo, PayPal, card by phone or in person: every way to pay, and who to ask about a bill, is on one page.
Pay a billGood Faith Estimate
If you’re uninsured, or you’re choosing not to use insurance, you have the right to a written estimate of what your care will cost before you get it. Read the full notice on our Good Faith Estimate page.