PAYMENT & INSURANCE
Insurance reimbursement.
Unfortunately, reimbursement is not simple. It has been possible for many clients, but approval depends on your insurer and plan.
What self-pay means.
You pay first. Pay the standard session price and agreed fees. You submit the claim; your insurer pays any approved reimbursement directly to you.
Chris cannot diagnose or prescribe care. Your referral must come from a general practitioner, specialist, or chiropractor accepted by your insurer.
Tell Chris BEFORE your appointment to arrange insurance documents. These are not included automatically. Extra fees may apply for documents or communication with an outside practitioner.
Chris does not bill insurers or manage claims. This keeps his time focused on your care.
Your checklist.
Obtain a referral.
Confirm your insurance coverage.
Tell Chris BEFORE your appointment.
Pay under the booking terms.
Submit your own claim.
Referral details and CPT codes
Referral details
Ask for your name, assessment date, diagnosis and any required ICD-10-CM code; the service and body areas; medical need and expected benefit; precautions; visit frequency and duration; and the practitioner’s name, credentials, signature, and date. Your insurer may require more.
FST is assisted stretching. FLEX combines stretching and massage. Stretch-only care cannot be recorded as massage.
CPT references for your practitioner
These are possible references, not confirmed coverage. Codes must match the care provided, Chris’s scope of practice, and your insurer’s rules. Your practitioner or billing specialist must check them.
| CPT code | Description |
|---|---|
| 97124 | Massage. Does not describe a stretch-only visit. |
| 97140 | Hands-on manual therapy. A possible reference for qualifying soft-tissue or manual stretching work. |
| 97110 | Therapeutic exercise for flexibility, range of motion, strength, or endurance. The actual service must meet exercise requirements. |
| 97112 | Neuromuscular re-education for movement control, balance, coordination, or posture. Applying tape alone does not qualify. |
No dedicated FST code was found in the policies reviewed. FST is not automatically covered under these codes.
All four codes use 15-minute treatment units. Appointment length alone does not determine billable units. Do not count the same minutes twice.
Sources: Aetna · CMS · Cigna therapy policy
Kinesiology taping
Elastic kinesiology tape differs from rigid strapping. Codes 29240 (shoulder), 29530 (knee), and 29540 (ankle/foot) are not default taping codes. Cigna excludes elastic taping, including use of unlisted codes 97039 or 97799. Check your insurer’s rule.
Existing records
You can request existing records after a visit. Record access and copy fees follow the applicable law. Any fee for a new report or outside consultation is agreed separately.
Need help with documents? Contact Chris before your visit.