Patterson
Be Aware
Be aware! Their communication lacks full transparancy around costs. If you are paying our of pocket and not billing insurance the cost is $125, but if you are still paying full cost and they are sharing this with your insurance, then it can be anywhere from $198 to $237, as it changes (based on if the PT educated you on an exericse or demonstrated an exercise). I found out the hard way when I was billed different amounts for three sessions. I am paying full price and my insurance is not covering any costs (I am not paying a copay, but paying toward my deductible) and since I was recommended to Luna by Kaiser, I gave them my policiy number. BIG MISTAKE. Instead of paying the $125 for out of pocket price, I am paying almost double that per session so that they can share this with my insurance company and it goes towards my high deductible. I wish there was more clarification on this, because I can't reverse it. Had I known, I would much rather have paid $125 per session rather than somewhere between $198-237 (or more) a session for 30-32 sessions to meet my deductible of $6500, when I could get a decent 20 sessions for $2,500 or 30 for $3750. You'd think when you don't have to pay for a building or staff to operate, it would be less cost. "The convieence of your own home" is pricey my friends. Disappointing. I want people to be aware of the trickery that I went through and to save your money if you aren't near meeting your deductible and insurance doesn't cover.
Response from Luna Physical TherapyMar 2, 2026
Thank you for sharing your experience. We’re truly sorry the billing felt unexpected, and we understand how important cost transparency is, especially when managing a high deductible. When patients are onboarded, they receive general pricing information along with a benefit verification email outlining insurance coverage. If insurance is billed, charges may vary per visit based on the specific treatments provided and time spent, following standard clinical billing guidelines. This reflects the individualized care delivered. We recognize this distinction may not always feel clear and are reviewing how we communicate these options. We value your feedback and are always working to make our cost explanations more straight forward.



