Coverage for shockwave therapy depends on your specific carrier and plan, some Florida Blue, United Healthcare, Humana, and Cigna plans do cover it, while others treat it as self-pay. We verify your plan before you schedule so there are zero financial surprises before your first session.
Which Carriers Sometimes Cover It
Florida Blue, United Healthcare, Humana, and Cigna each handle shockwave therapy differently based on your plan type and the diagnosis being treated. Employer-sponsored PPO plans tend to have the broadest coverage, some include extracorporeal acoustic wave therapy explicitly under their physical medicine or rehabilitation benefit. Others require documentation showing that more conservative treatment has already been tried before they approve coverage. We know how to build that paper trail when it matters.
- Florida Blue, varies by plan tier; rehabilitation benefits sometimes include shockwave under a specific procedure code
- United Healthcare, employer PPOs frequently cover it; individual plans vary
- Humana, documentation of prior treatment failure often required
- Cigna, plan-dependent; we verify before scheduling
- Florida Medicaid, has its own separate criteria; call us and we will work through what applies
- VA Community Care, eligibility varies; call and we will sort it out with you
When Shockwave Is Self-Pay
When insurance does not cover shockwave, we give you the self-pay rate before your first visit, no guessing. Most protocols run three to six sessions, so you will know the full financial picture upfront. We accept HSA and FSA cards, which most patients use for services their standard plan does not include. Call us at (904) 539-3352 for current pricing.
How We Verify for You
Bring your insurance card when you call or come in. We contact your carrier directly, confirm whether shockwave is a covered benefit under your plan, and let you know about deductibles, co-pays, or any prior-authorization requirements, before you commit to anything. That is the standard process at our Beach Blvd clinic, whether you are coming from Jacksonville Beach, Neptune Beach, Atlantic Beach, or Ponte Vedra.