Dr. Aman Dhaliwal PT, DPT

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(207) 747 3945



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Thank you for choosing Dr. Aman Dhaliwal PT, DPT Physical Therapy & Wellness as your physical therapy provider. Before we begin services, please sign below indicating you have read, understand and agree to the following payment policies.

  • You agree to be financially responsible for all charges regardless of any applicable insurance or benefit payments, thirdparty interest, or the resolution of any legal action or lawsuits in which you may be involved.
  • Payment is expected at time of service unless you have made other payment arrangements with us.
  • Out-of-Network Policy. (Commercial Health Plans - Does not apply to Medicare) If we are out-of-network with your health plan and you have out-of-network benefits, we will provide you with a copy of your bill that you can, at your discretion, submit to your health plan for reimbursement for the services your health plan covers. You are responsible for contacting your insurance company to determine what your benefits are and obtain any necessary physician referrals and/or preauthorizations for services. We are not responsible if your health plan denies, in whole or in part, your claims for our services.
  • Medicare Policy (for Medicare Part B). If you are a Medicare beneficiary, you understand that our licensed physical therapists are not enrolled as Medicare providers. Medicare has onerous technical and administrative requirements that must be met for services to be considered medically necessary covered benefits. We believe those requirements take unnecessary time away from the services we provide. Since we are not enrolled providers, we cannot submit claims to Medicare and Medicare will not pay for our services even though the same services might be paid by Medicare if you obtained them from a Medicare enrolled provider. Therefore, by choosing our services, you are exercising your right to privacy and electing, of your own free will, not to use your Medicare benefits. As such, you are agreeing to pay cash at the time of service for all services you elect to receive from us with no expectation that Medicare will reimburse you. You understand that we will not submit claims to Medicare on your behalf or provide you with a statement or billing codes that you can submit to Medicare yourself. If you want Medicare to pay for services that might be considered covered benefits, you should seek those services from a Medicare enrolled provider. If you decide at any point after you start services with us that you want Medicare to pay for the services it covers, we will be happy to recommend a Medicare enrolled provider and terminate your services with us. You also understand that since we are not enrolled Medicare providers, our services are not subject to Medicare’s maximum allowable charge. YOU AGREE THAT YOU, YOUR CAREGIVERS, FAMILY MEMBERS, AUTHORIZED REPRESENTATIVES OR POWER OF ATTORNEY WILL NOT, UNDER ANY CIRCUMSTANCE, SUBMIT OUR CLAIMS, INVOICES, RECEIPTS OR STATEMENTS TO MEDICARE FOR REIMBURSEMENT OR TO OBTAIN A DENIAL FOR A MEDICARE SUPPLEMENTAL INSURANCE PLAN.
    • Medicare supplemental insurance plans. If your Medicare supplemental insurance plan will reimburse you for medically necessary services by providers not enrolled with Medicare, we will provide you with a letter stating we are not enrolled as a Medicare provider and a statement that you can submit to your supplemental plan. However, you should be prepared that your supplemental plan may not pay for services by providers not enrolled with Medicare. If your supplemental plan requires you to obtain a denial from Medicare before it will pay for your services, we cannot submit a bill to Medicare merely to get a denial because we are not enrolled providers.
    • Medicare as a Secondary Payer. If you have a commercial insurance plan, we will provide you with a copy of your bill that you can, at your discretion, submit to your health plan for reimbursement for the services your health plan covers. However, since we are not Medicare enrolled providers, Medicare will not pay your copays, coinsurance or deductibles as a secondary payer. You understand and agree to carry out whatever procedures are necessary to prevent your commercial insurer from automatically forwarding our bills to Medicare.
    • Medicare Replacement and Medicare Advantage Plans (“MAP”). We are not in-network with any Medicare Advantage Plans. If your MAP offers out-of-network benefits, we will provide you with a copy of your bill that you can, at your discretion, submit to your MAP for reimbursement for the services your health plan covers. However, you should be prepared that your MAP may not pay for services by providers not enrolled with Medicare. You are responsible for contacting your MAP to determine what your benefits are and obtain any necessary physician referrals and/or pre-authorizations for services. We are not responsible if your MAP denies, in whole or in part, your claims for our services. 
  • Wellness & Fitness Services. Commercial health plans and Medicare do not cover the wellness or fitness services we offer. Therefore, we will provide you with a receipt for these services upon request.
  • Service Packages. If you purchase a discount package of services, the package discount is applied to the last visit in the package. You must use your visits within 12 months. If you don’t use your visits within that time frame or you request a refund for the unused visits, we will refund the excess amount paid, if any, after applying the package discount to the last visit and our regular cash payment fee to all other visits.
    • Use of Health Savings Accounts (HSA). If you purchase a pre-paid package plan through your HSA account we will give you a receipt for the pre-paid services that you can, at your discretion submit to your HSA plan in accordance with your HSA plan rules. If you request a refund for unused services that you paid for through your HSA, we will make the refund directly to your HSA account. If your HSA requires you to actually receive the services before submitting claims for reimbursement, we will provide you with a receipt for services actually received to date upon request. You are responsible for complying with HSA rules when determining whether the services you purchase from us can be paid from an HSA account.
    • Use of Health Reimbursement Arrangement (HRA) or Flexible Spending Account (FSA). An HRA and FSA will only reimburse for actual services received (not pre-paid services). Therefore, if you purchase a discounted pre-paid package plan and want your HRA or FSA to reimburse you, we will provide you with a receipt that you can submit for reimbursement after you have used your entire package. Upon request, we will also provide a receipt for visits used to date that you can, at your discretion and in accordance with your HRA or FSA rules, submit for reimbursement. Please note that HRA and FSA plans have rules about what services qualify for reimbursement. You are responsible for complying with your HRA and/or FSA plan rules when determining whether the services you purchase from qualify for reimbursement.
  • Privacy Rights. You have a right to privacy under the Health Insurance Portability and Accountability Act (HIPAA) that includes restricting disclosure of your records and claims to your health plan, including Medicare, if you pay privately for your services at the time of service. If you pay for your services at the time of service, we assume you are exercising this right to privacy we will not disclose your medical records to any third party, including your health insurance carrier or Medicare. If you want your records disclosed to any third party in the future, you will need to obtain and sign our Authorization to Release Protected Health Information form before we will disclose your health information.
  •  Appeals Policy. You understand that you are responsible for filing all appeals of adverse benefit determinations. If you need assistance filing an appeal with your health plan, contact the consumer assistance agency on your denial letter.

I HAVE READ, UNDERSTAND AND AGREE TO THESE PAYMENT TERMS. I acknowledge that I have chosen, of my own free will, to obtain the services provided by Dr Aman Dhaliwal PT, DPT Physical Therapy & Wellness and have agreed to pay out of pocket for my services without any expectation that my health plan will reimburse me. If I am a Medicare beneficiary, I attest that I have chosen not to use my Medicare benefits for the services I am purchasing and am restricting Dr Aman Dhaliwal PT, DPT Physical Therapy & Wellness and my therapist from submitting any claims to Medicare pursuant to my right to privacy under HIPAA.

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Frequently Asked
What do we treat or offer?

My mission is to help active people return to their favorite activity after an injury without the need of unneccessary medication, injection, and surgery.
You receive direct access to a Doctor of Physical Therapy who can diagnose and treat majority of injuries/pain of the muscles, joints, and nerves throughout the body without the need of a physician referral.
We can help any musculoskeletal injury that does not require immediate surgery and we have more than 10 years of experience working in this field.
The majority of our patients are very motivated to return to their active lifestyle and want to spend quality time with family/friends. Our clients value their health and want the best care. Our wellness aspect also focuses on prevention of possible injuries, strengthening and conditioning, etc. We also specialize in Pelvic health, especially focusing on our female clients.

What is "Pelvic Floor Physical Therapy"?
Pelvic floor is important for us in many ways and it helps support our organs, assist in bowel and bladder control, and sexual function. Pelvic health physical Therapy is provided by a physical therapist, who are musculoskeletal experts, trained and or certified in Pelvic Health. Pelvic health physical therapy consists of various effective treatment methods for areas associated with pelvis (sacrum, coccyx (tailbone), sacroiliac joint, etc.) and the muscle group as well as other surrounding soft tissue. Treatment methods can consist of education, manual therapy (massage and hands on treatment), pelvic floor exercises, pelvic floor biofeedback, pelvic floor electrical stimulation, etc.
A pelvic health physical therapist is able to assess the musculoskeletal system and treat the body as a whole. We provide Pelvic Health Physical Therapy in Tracy, CA., and we believe in treating our patients with full respect and addressing all their needs to help them recover safely. Females, especially who are athletes, mothers, wives, etc., need to pay close attention to their pelvic floor function so they can avoid possible surgery or other complications in the future.
Why does no one talk about the silent pelvic floor pain and dysfunction epidemic?
Millions of people are suffering from Pelvic pain and dysfunction in America but still this condition is left untreated. Majority of the people suffer from Pelvic pain and Urinary Incontinence but they do not see the right care. They are embarrassed, not properly diagnosed and/or informed about the treatment options available for them other than surgery or medication.
Majority of the people assume that Kegel exercises are the only treatment options a Physical Therapist can provide and unfortunately most patients are performing them incorrectly on their own, which can potentially worsen their condition.
Do I need a referral from my doctor?
California is a Direct Access state, which allows patients to directly seek care from a physical therapist without a referral from any other provider. A Doctor of Physical Therapy can help diagnose and treat your condition. If they are unable to help you then they can refer you to the appropriate provider as needed.
What will the first visit consist?
As we know that the pelvic floor consist of muscles and ligaments along with bony structures. A physical therapist certified in Pelvic Floor Physical Therapy can properly assess all areas and also the muscle strength and control in the pelvic region. It is important to feel comfortable with your physical therapist on your first visit and ask a lot of questions.
The first visit usually will consist of detailed interview. If they patient feels comfortable and gives the approval, an external exam will be performed followed by an internal exam, which gives even more specific and detailed assessment of the problem. The muscle layers, nerve, ligaments, tendon, and alignment can be properly assessed with a internal exam. Based on all the findings a proper action plan is put together that fits the patients need.
It will take at least 4-6 sessions to get true results if the patient is consistent with their home program and follow up with their Physical Therapist on weekly basis.
What is urinary incontinence?
The inability to control urine leakage due to various reasons, including weakness of pelvic floor muscles, poor muscle control, pressure, pain, hyperactive bladder, stress, etc.
What does "Pelvic Floor dysfunction" really mean?
Pelvic floor dysfunction can be caused by wide range of problems, which occur when the muscles of the pelvic region are not functioning normally and are often too tight or weak. There is also pain and impairments of the sacroiliac joint, low back, coccyx, and the hip joint. This can lead of pelvic pain and loss of function. Due to the complex nature of this condition it is important to seek the right care and find the root cause. A Physical Therapist can use multiple treatment approaches to help resolve these problems.
What is "Pelvic Organ Prolapse"?
Pelvic Organ prolapse is when the organs start protruding out (Can vary from Grade I to IV) of the pelvic floor opening in females, the vagina. Grade I and II can be treated conservatively, but grade III or IV will possibly need surgery. Pelvic Organ Prolapse is a silent condition as there is fear and shame involved, as well as embarrassment. If caught in the early stages, Physical Therapy for Pelvic Organ Prolapse can be very successful and essential part of the treatment process. A pelvic floor Physical therapist can help properly diagnose the level of pelvic organ prolapse and based on the findings create a proper treatment plan.
What is biofeedback?
Often a biofeedback unit can be part of the assessment or treatment, which depends on your need. A biofeedback unit can read the electrical activity in your muscles without anything happening to you (pain free) and gives feedback.
Electrodes can be placed externally or a sensor is placed internally, as needed, for proper reading. The amount of activation in your muscles is displayed on the biofeedback unit and helps us better understand the problem.
Thank you for visiting the FAQ page. If your questions were not covered here, please email or call us at (209)747-3945 to schedule a phone consultation with a Physical Therapist.
WHY choose Dr. Aman Dhaliwal?
We have direct access (No physician referral needed), professional/Licensed practitioner, alternative treatment choice to medication, injections, and surgery, flexible appointments (Early morning, late evenings, weekends), valuable “one on one” treatment directly with a Doctor of Physical Therapy, full body treatment approach to find the cause instead of treating symptoms, multilingual- English, Hindi, and Punjabi, Easy accessible, great location, and ample parking space, and provide physical therapy in Tracy, CA and the surrounding area.