Insurance & Payment Options
Worried about whether your insurance will cover physical therapy? At Penultimate Step Sports Rehab, we make it simple. Below you’ll find the insurance plans we work with, along with flexible private pay options if you prefer direct access.
Phone
253-409-8004
Location
Maple Valley
Start training here
Last Updated: February 2026
Insurance We Accept
We are in-network with many major insurance providers, including:
- Premera Blue Cross
- Regence BlueShield
- Cigna
- First Choice Health
- Kaiser Permanente (PPO plans only)
- Tricare
- Blue Cross / Blue Shield
If your provider isn’t listed, please call us — we can often verify benefits or help you navigate out-of-network options.
Private Pay (Cash-Based Option)
Prefer to bypass insurance? Our private pay rate is $140 per 45-minute session. This option is ideal if you want:
- Fast, unrestricted access to care
- Direct access without a referral
- Complete control over your recovery and performance plan
HSA & FSA Payments
You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for physical therapy services.
Serving Maple Valley & Beyond
We proudly serve patients throughout Maple Valley, Covington, Black Diamond, and the greater King County area.
📞 Call us today at (253) 409-8004 or Book Online to check your insurance coverage and start your recovery.
Does My Insurance Cover Physical Therapy?
Coverage depends on your specific plan. Most major insurance providers cover physical therapy, but the number of visits and level of coverage may vary. We’ll verify your benefits before your first appointment so you know exactly what to expect.
Do I Need a Doctor’s Referral for Physical Therapy?
In Washington State, you have direct access, meaning you can see a physical therapist without a doctor’s referral. However, some insurance plans may still require one for coverage. We’ll help you check your plan details.
What Will My Out-of-Pocket Cost Be?
Out-of-pocket costs depend on your plan’s copay, deductible, and coinsurance. Some patients pay as little as a small copay per visit, while others may be responsible for more until their deductible is met. We’ll provide a clear estimate before you begin treatment.
Do You Accept Medicare, Medicaid, or My Specific Insurance Provider?
Yes, we accept Medicare and many major insurance providers. If your provider is not listed, contact us — we may be able to bill out-of-network or offer private pay options.
Can I Pay Without Insurance, and Do You Offer Packages or Discounts?
Yes. Our private pay rate is $140 per 45-minute session. Many patients use this option for fast, unrestricted access to care. You may also use your HSA or FSA for payment.
