Financial Policy

In Network Insurance Companies

Women’s Health Physical Therapy of Eugene LLC dba Pelvic Wellness Center Eugene Clinic is a participating provider with the following health plans:

  • Pacificsource
  • Providence
  • MODA
  • Aetna
  • Medicare
  • Lifewise

For in-network insurance companies above: Co-payments are due at the time of service. You are responsible for payments of all co-pays, deductibles and co-insurances associated with your plan at the time of your PT visit.

Medicare Replacement Plans:  Often called “Advantage” plans, will only  be accepted if they are with one of the above carriers.  For billing information for an out of network Medicare Replacement Plan see our policy below under “All Other Insurance Companies”.

All Other Insurance Companies

For our non-contracted insurance patients we can provide a significant discount (often 15-30%) for payment at time of service.  Instead of our Eugene clinic billing insurance directly, after your payment at each visit an invoice will be provided to you. You can then submit this invoice to your insurance company for reimbursement according to your out-of-network benefits.

Because we will provide a discount for insurance companies for which we are out-of-network we will not be communicating with out of network insurance companies. An additional fee will apply if chart notes or prior authorizations are processed from our clinic.

Late to Appointment Policy

If you are more than 15 minutes late to your appointment you will need to reschedule.

Cancellation, No-Show Policy

In most cases, Judy will reserve a 60 min one-on-one time slot for your treatment. In the event of a late cancel or no-show we most likely will not be able to provide this time slot for another client.  Also, in order to achieve maximum benefit from your physical therapy, it is important to maintain regular visits as prescribed by your therapist(s).

Therefore, If you must cancel, please provide a minimum of 24 hours notice. If you cancel less than 24 hours in advance, or no show for your appointment you will be responsible for a cancellation/no-show fee of $100. You will need to provide this payment on or before your next scheduled appointment.

This includes “no show” appointments. Your therapist may use their discretion and will take circumstances into consideration.  This payment is not billable to insurance. If you do not contact us within 48 hours of a “no show” appointment, all of your future appointments will be removed from our schedule.


If necessary, after 90 days on non-payment we will send your account to collections. You will be responsible for an additional 20% to your outstanding balance to cover fees associated with the collections process. This percentage will be increased to 30% if taken to small claims.