In-Network · BCBS · Cigna · Aetna · Medicare · UnitedHealthcare
Boutique Physical Therapy. Standard Insurance Billing.
Forge runs in-network with the major Texas carriers, so the experience is premium but the billing is normal. Your insurance works the way it's supposed to. We verify your benefits before you walk in — no surprises.
How it works
Premium care. Normal insurance billing.
Boutique physical therapy used to mean "cash-pay and out of reach." Forge built the practice around a different idea: keep the experience high-end — clinician-led visits, longer evaluations, smaller caseloads — and run insurance billing the standard way, in-network with the major Texas carriers.
That means your visits are billed to your insurance, you pay your normal in-network responsibility (typically a copay or coinsurance after deductible), and you don't deal with surprise out-of-network bills. We verify your benefits before your first visit so you know what to expect.
Below: the carriers we're in-network with, what to expect for costs, and how to verify your specific plan before you book.
In-network plans
Carriers we're in-network with
Forge is in-network with four major commercial carriers plus Medicare. Most plans within these networks are covered, but some sub-products (employer-specific, ACA marketplace, narrow-network HMO variants) can have different in-network statuses. We confirm your specific plan during benefits verification before your first visit.
Blue Cross Blue Shield of Texas
PPO · HMO · BlueCard
Forge is in-network across BCBS Texas commercial plans, including PPO and most HMO products. Out-of-state Blue plans typically work via the BlueCard program — confirmed during verification.
Cigna
PPO · OAP · LocalPlus
Forge is in-network across Cigna commercial PPO and Open Access Plus products. LocalPlus and narrow-network plans are confirmed plan-by-plan during verification.
UnitedHealthcare
PPO · POS · Choice
Forge is in-network with UHC commercial products including PPO, POS, and Choice. UHC employer plans vary; we verify each plan before your first visit.
Aetna
PPO · Managed Choice · Open Choice
Forge is in-network across Aetna commercial PPO, Managed Choice, and Open Choice products. Aetna employer and ACA marketplace plans vary; we verify each plan before your first visit.
Medicare
Part B · Medigap · Advantage*
Forge is in-network with Medicare and bills Part B for medically necessary outpatient physical therapy. With a supplement (Medigap), we file Medicare first, then your supplement. *Medicare Advantage plans have their own networks — confirmed plan-by-plan during verification.
What you'll pay
Standard in-network responsibility — verified before your first visit.
Out-of-pocket cost depends on your specific plan: your copay, your coinsurance percentage, your deductible status, and any visit limits or authorization requirements. Every plan is different, so we don't publish typical numbers — they'd mislead more than they'd help.
What we do: verify your benefits before your first visit, confirm your specific copay or coinsurance, check your deductible status, and confirm any prior authorization or referral requirements. You walk in knowing what you'll pay.
If you want a verification call before you book: call (214) 774-0600 with your insurance card. We'll run benefits and call you back the same business day.
Other situations
If we're not in-network with your plan.
Forge is primarily an in-network practice. If your plan isn't on the list above, two paths exist:
Out-of-network billing. If your plan has out-of-network benefits, you can pay at time of service and we'll provide a superbill — an itemized receipt with the codes and information your insurance needs. You submit the superbill for reimbursement; the amount and timing are between you and your insurance.
Self-pay. If you don't want to involve insurance — for example, if you have a high deductible you don't expect to meet, or you'd rather keep treatment off your insurance record — you can pay at time of service. Self-pay rates are published on request; call us.
Verification process
What happens before your first visit.
You don't have to figure your insurance out alone. Once you book, we run benefits and confirm exactly what your plan covers — before you walk in.
You book through Jane App
Online booking takes about two minutes. We collect your insurance information, contact info, and a brief description of what's going on.
We verify your benefits
We call your insurance (or query their portal) to confirm your in-network status, copay or coinsurance, deductible status, visit limits, and any prior authorization or referral requirements.
We confirm your responsibility before your visit
You receive a confirmation message before your first visit with your verified copay or coinsurance, deductible status, and any required documents to bring. No surprises.
We file claims for you
You pay your in-network responsibility at time of visit; we submit the claim. If your plan applies your visit toward your deductible, we follow up with you about that balance — never at time of visit.
Your clinician
Dr. Eric Spencer, PT, DPT
Dr. Spencer is the founding clinician of Forge Physical Therapy. He holds a Doctor of Physical Therapy and is a Certified Vestibular Specialist through the Institute of Advanced Musculoskeletal Treatments.
His practice is built around a simple idea: a boutique, clinician-led clinic where time, attention, and plan design are calibrated to the patient — so treatment is personal, progressive, and actually moves the needle.
Meet Dr. SpencerFAQ
Frequently asked questions
Do I need a referral from my doctor?
In Texas, you do not need a physician referral for a physical therapy evaluation — the state's direct-access law allows a licensed physical therapist to evaluate and begin treatment without one. However, some insurance plans require a referral for reimbursement. We confirm your specific plan's referral requirement during benefits verification before your first visit.
What if I have a high deductible?
If your deductible isn't yet met, your in-network responsibility is typically the contracted rate the carrier and Forge have agreed on — meaningfully lower than retail self-pay. We confirm your deductible status during verification and tell you exactly what you'll pay before your first visit. If you'd rather not run visits through insurance at all, self-pay is also available.
Are there limits on the number of visits per year?
Some plans have annual visit limits or require additional authorization after a set number of visits. We check this during benefits verification and tell you upfront if a limit applies. If you approach it during care, we work with you and (if needed) your insurance to determine whether continued visits are still covered or whether self-pay makes sense.
Do you handle prior authorizations?
Yes. If your plan requires prior authorization for physical therapy, we handle the request directly with your insurance. You don't need to navigate that yourself.
What if I have secondary insurance?
If you have a secondary or supplemental plan, share both cards at intake. We file with your primary carrier first; once that claim processes, we file with the secondary plan for any remaining balance. You only pay what's left after both plans have processed.
Can I use my HSA, FSA, or HRA?
Yes. Health savings, flexible spending, and health reimbursement accounts can be used to pay your in-network copay, coinsurance, or self-pay rate for physical therapy. Bring your account card or use it like a debit card; we process it the same as any payment.
What documents should I bring to my first visit?
Your insurance card, a photo ID, any imaging or prior medical records related to your condition, and comfortable clothing you can move in. If you have a physician referral or prescription, bring that too — it's not always required but is helpful.
What happens if my insurance changes mid-treatment?
Tell us as soon as the change happens. We re-verify benefits under the new plan and confirm Forge is still in-network with the new carrier. If the new plan changes your copay, deductible, or in-network status, we walk through what that means for the rest of your plan of care.
Ready when you are.
Book an evaluation in under two minutes — we'll verify your benefits before you walk in. Or call us and we'll run them on the phone.
Want us to verify your specific plan before you book?
Call us with your insurance card. We'll run benefits and call you back the same business day with what you'll pay, what's required, and whether anything looks off.