Financing

Don’t Let Cost Keep You from Getting the Help You Need

A variety of options are available to help you finance the cost of therapy with Flexible payment options:

Insurance Overview (U.S. Patients)

Our clinics address pain, adhesions, and micro-adhesions that cause pain and dysfunction. We treat the adhesions with the goal of decreasing pain and increasing function as quickly, efficiently, and thoroughly as possible. We provide physical therapy (PT) services. U.S. physical therapists are licensed by their state to treat pain and dysfunction. 

We are out-of-network providers; you pay us directly for our services. Your insurer may reimburse part or all of your therapy, especially if you have complaints of pain. We will give you copies of all paperwork, including your initial evaluation, daily notes, and an itemized billing statement. 

Most insurers are required to provide coverage that is not provided in their network. Our work is unique, cited as effective in many respected medical journals for its ability to decrease adhesions. We will provide a letter from our therapists to your insurer stating why they should cover 20 hours of our unique “out-of-network” physical therapy, which is unavailable in their network. 

Medicare and Medicaid do not cover our level of service. Our procedure codes are defined and approved by the American Medical Association and include the following common PT codes:

• 97161 – Initial Evaluation (Low Complexity)
• 97162 – Initial Evaluation (Moderate Complexity)
• 97163 – Initial Evaluation (High Complexity)
• 97164 – Re-Evaluation
• 97110 – therapeutic procedure
• 97112 – neuromuscular reeducation
• 97140 – manual therapy
• 97530 – therapeutic activities to increase function
• 97535 – self-care instruction

Some people ask their insurer about reimbursement before scheduling therapy. Questions you may ask your insurer include: 

• Your “outpatient physical therapy benefits” — We are considered an “out of network” provider for you. If you are seeking our therapy for treatment of pain or adhesions, tell your insurer that you will be receiving “physical therapy treatment for pelvic adhesions” or “physical therapy treatment for pelvic (or other) pain.”
• Whether you need preauthorization — If so, your doctor’s office can contact your insurance company for an authorization number, which you will keep for your records.
• Whether you need a physician’s written referral — If so, have your physician use our referral form or write on his/her prescription pad “physical therapy for treatment of abdominal adhesions (or pain)” and add “This treatment is medically necessary.” If you are coming for the condensed five-day program, it should specify “20 hours of therapy over five days.” S/he should sign, date, provide their NPI #, and hand you the note.

Condensed program clients should tell their insurer that they will be receiving several hours of therapy a day (usually 4 hours a day for 5 days = 20 hours of therapy). Twenty hours of physical therapy per year falls within the parameters of most insurers, but some try to limit subscribers to one hour of therapy a day. Explain that this is a special case, that Clear Passage® is one of the few clinics in the country with published results treating adhesions and/or pelvic pain without the risks of surgery or drugs. Remind them that therapy is much less expensive than surgery (which can cost $20,000 or more, with anesthesia and hospital surgery room charges).

2026 data (from AI Gemini) cites the average cost of adhesion removal surgery costs from $15,000 to $50,000. The average cost of bowel resection surgery, including hospital stay costs $30,000 to $150,000. Emergency bowel surgery has the highest complication rate (49%) of any emergency surgery in the USA [JAMA Surgery], with an 18% rate of hospital readmission (HHS-AHRQ). Clear Passage treatment to decrease adhesions and prevent bowel obstructions costs $7,500 and involves no medications and no hospitalization. Ask to speak with a supervisor if needed. Always record the name, time, and date of the person with whom you speak.

Program and Scheduling Information

Documents That May Help Your Reimbursement 

• Patients with Pain: For Insurance Suggestions and Documents, click here.
• Patients with Bowel Obstructions: For Insurance Suggestions and Documents, click here.
• Insurance appeal letter for bowel obstruction patients: click here.

Clear Passage® Therapy Financing & Payment Options

We know what happens when you’ve been dealing with pain, infertility, bowel problems, or another condition for a long time. You’ve probably already spent money on doctor visits, tests, medications, procedures, and treatments that didn’t give you the answer you were hoping for. The last thing you need is to finally find a treatment worth exploring and then have the cost stop you in your tracks.

Clear Passage® offers several ways to help make treatment more manageable.

How much does Clear Passage® therapy cost?

The complete 20-hour therapy program currently starts at $7,500. Abbreviated and extended treatment plans may also be available depending on your individual situation.

We are glad to discuss your treatment plan with you in depth at any time.

See current program costs here.

Choose the Financing Option That Fits You

Some of our patients pay part of the cost themselves. Some consider financing part or all of their therapy. 

Some patients prefer a fertility-specific loan. Others use a healthcare financing program or a personal loan. 

Will my insurance pay for Clear Passage® therapy?

Medicare and Medicaid do not currently cover our level of service. Clear Passage® is an out-of-network provider for all insurance plans, but some insurers may reimburse you for physical therapy services related to decreasing pain or adhesions. While you pay Clear Passage® directly, we provide documentation that may help you request reimbursement from your insurance company. This includes your Initial Evaluation, Discharge Summary, and an Itemized Billing Statement with your diagnosis and treatment codes. 

Questions to ask your insurer include:

Do I have out-of-network physical therapy benefits?

Learn what percentage your plan may reimburse. 

If there is an out-of-network deductible, what is that amount?

Do I need preauthorization?

If you are seeking reimbursement, your insurer may require approval before treatment begins.

Do I need a physician referral?

If you are seeking reimbursement, your plan may require a physician referral. If you don’t use the one we send you, your doctor can use his/hers, noting “medically necessary physical therapy for ______ pain” (or similar). You can download our referral sheet here.

Let your insurer know if you wish to undergo 20-hour condensed treatment.
Most insurers allow 12-24 hours of physical therapy every 6 or 12 months. Our condensed program can save you and your insurer time and money; make sure your insurer understands the number of therapy hours involved.

Keep notes. Write the name of the insurance representative, the date, the time you called, and what you were told. If you later need to appeal a decision, that information can be very useful.