Insurance & payment
Cash-pay, with full reimbursement support.
Bremen Pelvic Health is out-of-network with all insurance carriers. That choice is what makes the kind of care offered here possible. Many patients still get partially reimbursed by their insurance — and the full breakdown of how is below.
The short version
- Out-of-network with all insurances. No insurance is billed directly.
- HSA and FSA cards are accepted. Many patients pay with HSA without ever seeing a bill.
- Superbills provided after every visit. Submit them to your insurance for out-of-network reimbursement.
- Many patients get significant reimbursement. How much depends on your specific plan.
- No referral required to be seen (Georgia direct access). Dry needling is the only exception — Georgia state law requires a referral for that one service.
Why this practice doesn't take insurance
The honest answer is that the kind of care offered here isn't possible inside the insurance model. Insurance reimbursement for physical therapy is built around 20-to-40-minute visits, often shared between two patients per hour, with billable codes that dictate which body parts can be treated together and how many visits are allowed.
That model is fine for some patients and some conditions. But for pelvic floor and complex postpartum care, it often falls apart. The pelvic floor doesn't care which billing code is approved.
At Bremen Pelvic Health, you get one full hour, in a private treatment room, one-on-one with Dr. Nicole — every single visit. No double-booking with another patient. No PT/PTA handoff. No insurance company deciding when you are "done."
Most patients see meaningful improvement in three to four visits. In an insurance-driven clinic, the same patient might be sitting at twelve visits and still being told to come back twice a week. The time-and-quality difference adds up — for the patient and for the outcome.
HSA and FSA
HSA (Health Savings Account) and FSA (Flexible Spending Account) cards are accepted as payment, just like a debit card. If you have a high-deductible insurance plan, you almost certainly have an HSA — and for most patients, paying with HSA means the cost of care is comparable to what they would have paid in-network anyway.
Pelvic floor PT is an eligible HSA/FSA expense. You don't need to request reimbursement separately or submit anything to your insurance in this case. The card works at checkout.
Superbills and out-of-network reimbursement
A superbill is an itemized invoice that includes the diagnosis codes and treatment codes your insurance needs in order to reimburse you for an out-of-network visit. After every visit at Bremen Pelvic Health, you receive a superbill at no extra cost.
How to use it:
- Pay for your visit upfront (cash, card, HSA, FSA, etc.)
- Receive the superbill after the visit
- Submit it to your insurance company through their member portal or by mail
- Insurance reimburses you directly for whatever your out-of-network plan covers
Reimbursement amounts vary widely depending on your specific plan. Some patients get a significant percentage back. Others get less. The first time you submit, it's worth calling your insurance to ask:
- "Do I have out-of-network physical therapy benefits?"
- "What is my out-of-network deductible, and how much have I met?"
- "What percentage of out-of-network PT do you reimburse after I meet my deductible?"
- "Do I need an out-of-network referral or pre-authorization?"
Want help filing? Services like Reimbursify can submit superbills to your insurance on your behalf for a small fee. Many patients find it worth the few dollars to skip the paperwork.
Direct access in Georgia
Georgia is a direct-access state, which means you can see a physical therapist without a referral from a doctor. You don't need to wait for an appointment with your primary care physician to get started.
There is one exception: dry needling. Georgia state law requires a physician referral for dry needling specifically. Once you have that referral, it's good for one year. Most primary care doctors and OBs will provide one if asked.
For everything else — pelvic floor PT, orthopedic PT, vestibular, cupping, manual therapy, ASTYM — no referral is needed. Just book.
Why pricing is published
Most cash-pay practices keep their rates hidden until you call to ask. Bremen Pelvic Health publishes them on the pricing page: $125 for a one-hour session, $60 for a 30-minute wellness visit, with a 10% discount on six-visit packages.
Patients deserve to know what they're paying for before they walk in the door. Transparent pricing also pre-qualifies the right patients — people who are ready to invest in real care, who value time and attention over insurance coverage, and who appreciate knowing what to expect.
Still have questions about cost?
Call or text to talk through your specific insurance situation. There's no pressure to book — just an honest conversation.