Out-of-network physical therapy billing, without the superbill.
HealthSpark verifies coverage, collects or coordinates patient payment, and submits out-of-network claims directly to insurance.
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Aetna PPOSubmit out-of-network claims to hundreds of plans
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Why HealthSparkSay goodbye to superbills
With HealthSpark
- Out-of-network benefits checked before the visit
- Patient payment collected automatically
- Out-of-network claim submitted after the visit
- Medicare Advantage billed under Medicare rules
- Denials and resubmissions handled
- One workflow for visits, payments, and claims
With superbills
- Patient asks about coverage
- PT creates a superbill
- Patient submits it themselves
- Patient follows up with insurance
- Errors and denials are easy to miss
- Reimbursement delays can interrupt care
How It WorksYou treat the patient. We handle the claim.
Check benefits
The patient enters their insurance information and HealthSpark checks their out-of-network coverage.
Insurance verified
Collect payment
The patient pays your full self-pay rate through HealthSpark.
Patient payment
$160.00
Card ··4242
Submit the claim
After the visit is completed, HealthSpark submits the out-of-network claim on your behalf and handles follow-up.
You
Submit your visit
SOAP note
Codes
HealthSpark
Submits the claim
- Create the claim
- Submit to the payer
- Patient reimbursed
- No superbills
The patient gets paid back
The payer reimburses the patient directly — or the amount goes toward their deductible.
Claim processed
NO. 2094
08 / 11 / 2026
Pay to the order of
The patient
Eighty and 00/100 —————— dollars
Memo
Claim 7310-C
Authorized signature
987654321 0004417291 2094
Medicare Advantage works differently
The claim goes to their plan, which pays your practice directly — not the patient.
The plan mails your practice a check, or you can connect ERA and EFT to have payments post electronically.
Medicare Advantage claim
NO. 4821
08 / 11 / 2026
Pay to the order of
Your practice
One hundred two and 40/100 —————— dollars
Memo
Claim 8241-A
Authorized signature
123456789 0001234567 4821
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