At ROAM, we believe high-quality, one-on-one mobile physical therapy should be accessible. We participate with major insurance plans and offer transparent, flexible payment options so you can choose the path that best fits your needs and budget.

Louis Cerenzia, PT, DPT will personally verify your insurance benefits (including any referral or prior-authorization requirements) during the scheduling process and clearly explain your estimated costs and all available options.

We offer three distinct payment options:

In-Network Insurance

We are proud to be an in-network provider for the following plans:

• Premera Blue Cross (including HMO)

• Medicare Part B (Serving Washington & Idaho)

• Federal Employee Program (FEP)

• LifeWise Health Plan of Washington & LifeWise Assurance Company

Under these plans, you are only responsible for your plan’s specific copayments, coinsurance, or deductibles.

Out-of-Network Insurance

If your plan is out-of-network with us, you can still receive the specialized care you need! You will be billed at our Standard Billing Rates, with payment due at the time of your visit.

After each session, we will provide you with a detailed Superbill (an itemized medical receipt). You can send this directly to your insurance company to request reimbursement based on your plan’s out-of-network benefits. While we provide all the coding your insurer needs, please keep in mind that final reimbursement is not guaranteed and is ultimately determined by your specific provider.

A Good Faith Estimate (GFE) will be provided before your first visit if you’re considering Out-of-Network. This gives you a clear picture of your expected costs upfront, so you can choose the path that works best for you.

Self-pay / Insurance Opt-out

We understand that insurance can sometimes add complexity and uncertainty to your care. That’s why we offer a simple, transparent Bundled Flat-Fee Rate for every physical therapy session—ideal for uninsured patients or those who prefer knowing exactly what to expect upfront with no surprises.

How Our Flat-Fee Option Works

• Simplified Bundled Rate: This all-inclusive rate per session reflects the efficiencies of direct care. Without the need for traditional insurance billing, claims processing, or extensive paperwork, we can reduce administrative time and costs—which allows us to streamline our pricing for you.

• Prompt-Pay Savings: Pay in full on or before the day of your visit and you’ll receive an additional 10% discount off the bundled rate. This immediate payment helps us avoid future billing steps and lets us focus even more on your recovery.

Benefits You’ll Experience

• Start care right away with no waiting for insurance authorizations or approvals

• More one-on-one time dedicated to your personalized treatment and progress

• A smooth, modern, mobile-friendly experience from start to finish

• Greater predictability and control over your costs

Good Faith Estimate (GFE)
We’ll provide a clear written Good Faith Estimate of your expected costs before your first visit if you’re considering self-pay or out-of-network options. This gives you full transparency so you can decide what works best for you.

Important Notes

For patients with in-network insurance:
If you have in-network benefits but choose to pay cash, we are required by HIPAA and our insurance contracts to bill at our Standard Fee Schedule rates. The bundled flat-fee rates and 10% prompt-pay savings are available only to uninsured patients and out-of-network patients who voluntarily choose not to use their insurance benefits.

For Medicare patients (Traditional or Medicare Advantage):

Federal law does not allow Medicare beneficiaries to opt out of insurance for covered, medically necessary services. Our self-pay bundled rates may only be used for non-covered services, such as general wellness, maintenance care, or certain specialized wellness programs.

We’re here to make your physical therapy journey as straightforward and effective as possible. If you have any questions about which option is the best fit for your needs, just reach out—we’re happy to help!