FAQ

Karen Yanelli Physical Therapy is an out-of-network provider with many major insurance plans. Karen and her billing company assist with eligible office and telehealth claims; however, insurers may sometimes require information or action directly from the patient. For home visits, patients receive a receipt with appropriate coding and tax information to submit for possible reimbursement.Karen accepts Medicare Advantage (Part C) PPO plans. She is not a Medicare Part B, Medicaid, or HMO provider. Coverage, authorization, and reimbursement vary by plan and are not guaranteed.

The rates below are self-pay rates for services not covered by insurance. Credit card, check, HSA/FSA cards, Venmo, and cash are accepted.Telehealth: $150 for either a 60-minute initial evaluation or 60-minute follow-up.Private office: $200 for a 60-minute initial evaluation; $165 for a 60-minute follow-up.Home visits: Initial evaluation starting at $250; follow-up starting at $200. Rates may vary by location and are confirmed before scheduling.Self-pay rates effective September 18, 2026. Rates are subject to change; current pricing will be confirmed before scheduling. Insurance coverage, deductibles, and reimbursement vary by plan.

Coverage and out-of-pocket costs vary by insurance plan. Some plans require an annual deductible to be met before reimbursement begins, and approved services may still be subject to coinsurance, copayments, visit limits, medical-necessity requirements, or prior authorization.Karen’s billing company can review available benefits before your evaluation. Any expected patient responsibility will be discussed before scheduling; final coverage and reimbursement decisions are made by the insurance company.

During our initial contact I will ask for your insurance information. My billing company will screen your insurance benefits to see if you have out of network benefits and other applicable details to your insurance plan such as what your annual deductible is and if it has been met.

Karen and her billing company submit billing forms and supporting paperwork for eligible office and telehealth physical therapy claims. Insurance companies may still require information, authorization, or other action directly from the patient.For home physical therapy visits, patients receive a receipt with appropriate coding and tax information to submit to their insurer for possible reimbursement. Coverage and reimbursement are determined by the insurance plan and are not guaranteed.

Telehealth can be an effective option for many evaluations and treatment sessions when clinically appropriate. It can support discussion, movement assessment, exercise instruction, functional training, postural education, safety recommendations, and self-management strategies. Karen will determine whether telehealth is appropriate for an individual’s needs and may recommend an in-person visit or other medical evaluation when necessary.

Usually patients will use their cell phone for telehealth but some will use the web camera on their computer or laptop. You will receive a telehealth link through email or text message to click on before your appointment.

New York permits qualifying physical therapists to evaluate and treat patients without a referral under its direct-access law. Before treatment without a referral, the patient must receive and sign the required Notice of Advice. Without a referral, treatment is generally limited to 10 visits or 30 days, whichever occurs first. A referral may be needed sooner based on the patient’s condition, insurance requirements, or clinical judgment. Karen will explain any referral requirement before continued care.

The McKenzie Method of Mechanical Diagnosis and Therapy (MDT) is an evidence-based assessment and treatment approach for musculoskeletal conditions. It uses repeated movements and sustained positions to identify patterns that may reduce symptoms and improve function.When appropriate, MDT can help:• Clarify how symptoms respond to movement and posture.• Guide an individualized treatment plan.• Reduce symptoms and restore function.• Teach strategies for self-management and recurrence prevention.• Identify when additional medical evaluation or advice may be needed.

Only one patient is seen on an individual basis every hour.