What insurance plans does Gramercy Physical Therapy accept?

We accept Medicare, United Healthcare, and United Healthcare AARP. We are also out-of-network providers for Oxford, Cigna, Blue Cross Blue Shield, Aetna, and GHI. We will verify your benefits before your first appointment.

Do I need a referral for physical therapy in New York?

In most cases, no referral is needed. New York State allows direct access to physical therapy for up to 10 visits or 30 days without a physician's referral. If your insurance requires a referral, we’ll help coordinate it.

Will Gramercy PT submit insurance claims for me?

Yes. We handle all insurance claim submissions for both in-network and out-of-network patients to simplify the billing process and help maximize your reimbursement.

Can I still come to Gramercy PT if you’re out of network with my insurance?

Absolutely. Many patients choose us for the quality of care and one-on-one treatment we offer. If you have out-of-network coverage, we’ll help you understand your benefits and ensure billing is as smooth as possible.

Insurance & Billing at Gramercy Physical Therapy

Q: What are out-of-network (OON) benefits?

Out-of-network benefits allow you to receive care from providers not contracted with your insurance while still receiving partial reimbursement. We help patients understand their OON coverage and submit claims on their behalf.

At Gramercy Physical Therapy, we believe access to high-quality care shouldn’t be complicated. That’s why we make the insurance and billing process as simple, transparent, and stress-free as possible. Whether you’re using insurance or paying privately, our team is here to help you understand your options so you can focus on what matters most — your recovery.

Insurance Plans We Accept

We proudly accept the following health insurance plans for physical therapy services:

Medicare
United Healthcare
United Healthcare AARP
Oxford
Cigna

We are also proud to work with patients who have out-of-network (OON) benefits through the following plans:

Blue Cross Blue Shield (OON)
Aetna (OON)
GHI (OON)

If you’re unsure whether you have out-of-network coverage, don’t worry — our administrative team will gladly verify your benefits and explain exactly what your plan covers before your first appointment.

What Are Out-of-Network (OON) Benefits?

Out-of-network (OON) benefits allow you to receive care from a provider who is not directly contracted with your insurance company — while still receiving partial reimbursement. Many of our patients take advantage of their OON benefits because it gives them access to higher-quality, more personalized care.

Our team will provide you with a detailed breakdown of:

Your deductible and how much you’ve met
The percentage your insurance will reimburse
Any co-insurance or out-of-pocket costs you can expect

We also submit claims on your behalf to streamline the process. You’ll never be left guessing or overwhelmed by paperwork.

No Referral? No Problem.

New York State allows Direct Access to Physical Therapy, which means you can start treatment without a referral from a physician in most cases. This includes both Medicare and private insurance plans (up to 10 visits or 30 days).

If your insurance does require a referral or authorization, we’ll help coordinate with your provider to ensure everything is in place.

Transparent Billing & Support

We’re committed to transparent, ethical billing practices. Before your first session, you’ll receive a clear explanation of what your insurance will cover and what (if any) your out-of-pocket responsibility will be.

There are no hidden fees or surprise bills.

If your plan does not cover our services or if you are uninsured, we also offer competitive private pay options.

Why Patients Choose Gramercy PT — Even OON

Many of our patients choose to come to us even when we are out-of-network with their insurance — and here’s why:

One-on-One Treatment Only – You’ll never be passed to an assistant
Manual Therapy Experts – Our hands-on techniques are hard to find elsewhere
Private Sessions in a Calm Setting – No loud gym floors or packed schedules
Customized Care for Faster Recovery – We treat the root cause, not just symptoms

Our patients value the quality, consistency, and results we provide — and many find that the out-of-network investment leads to a faster, more complete recovery.

Questions? We’re Here to Help.

Navigating insurance can feel overwhelming, but it doesn’t have to be. Our friendly front desk team is here to answer any questions you have, verify your benefits, and walk you through every step of the billing process.

Before your first visit, we’ll make sure you understand:

Your financial responsibility
How claims will be handled
What to expect for reimbursement (if OON)

Your recovery should never be delayed by red tape — let us help take the guesswork out of getting started.

Take the Next Step

If you’re ready to begin physical therapy and want to make sure you’re covered, contact us and we’ll take care of the rest. Whether you’re using Medicare, United Healthcare, or an out-of-network provider, we’ll help you get the most out of your benefits.

You focus on healing — we’ll handle the paperwork.

Insurance & Billing