Frequently Asked Questions

1) Do you take insurance?

W4T does not take insurance and is considered an out-of-network provider with all insurance companies. If you have out-of-network benefits with your health insurance, we will provide you with a copy of the bill and all of the documentation necessary to turn into your health insurance company for reimbursement. Payment is due at time service.

2) Why doesn’t W4T bill through insurance?

We have found that our patients are more complex than typical patients who seek physical therapy. Our evaluations and visits tend to include multiple body systems and take a little longer to complete. We believe that the best care is provided when the patient and practitioner can spend time one-one-one and when the practitioner can be easily accessible for follow up consultation. We also see better outcomes for our patients when they have some “skin in the game” – they tend to be more committed to their home program and thus have better results.  But don’t worry, you can still submit your claims through your out of network benefits.

3) How do I know if I have out-of-network benefits?

  • Call your insurance company and ask: 

    • Do I have PT benefits with an out of network provider?

    • Do I have an out-of-network deductible? 

    • Have I met my deductible this year? If not, how much is left? 

    • Is there paperwork that must be filled out when submitting the out of network claims? If so, where do I find the paperwork? 

    • Do I need to be pre-certified for PT sessions in order to receive coverage for PT services?

4) Can I pay with my HSA or FSA?

Yes, absolutely! W4T accepts payment through your HSA/FSA debit or credit cards or can give you a super bill to file as proof of a legitimate medical expense if you choose to pay with a personal check or cash and you pay yourself from your HSA/FSA.

4) What forms of payment does W4T accept?

  • Debit card – plus 2.5% service charge

  • Credit card – plus 2% service charge

  • Personal check – made out to Wendy Wagner

  • Venmo - @Wendy-Wagner-17

5) What should I wear to my first appointment?

Shirt that can easily be removed, jog bra or tank top, shorts, the shoes that you most regularly wear, any orthotics that you have used

6) Do I have to come to Naperville, Illinois for evaluation and/or treatment?

W4T wants to know you and your issues deeply. We believe that is best achieved with an in person visit. If distance and travel would limit your ability to access our services AND you live in the state of Illinois (where Wendy holds her license) we are able to offer you SECURE video conferencing for your care.  

7) Will you collaborate with my other doctors?

Yes! We all need to work together to get you feeling better! Depending on the package you select, we can collaborate with whichever doctors you select. All evaluations are available to you and your other health care providers upon request.