Most Major Insurance Accepted
Insurance at PDTC
We work with most major insurance carriers in Oklahoma to make interventional pain care accessible to our Tulsa-area patients. If your plan isn't listed below, please call our office, we likely accept it.
Primary Plans Accepted
Medicare
BCBS of Oklahoma
United Healthcare
Cigna
Aetna
Humana
Community Care
Additional Plans Accepted, Call to Verify
How We Verify Your Insurance
Before your first visit, our billing team contacts your insurance carrier to confirm exactly what your plan covers at PDTC. You'll know your copay, deductible status, and any prior-authorization requirements before you walk in, no surprises.
Share your insurance details
Call our office with the name of your plan, member ID, and group number (found on your insurance card). We can also collect this during new-patient intake.
We verify your benefits
Our team confirms network status, deductible, copay, and whether any interventional procedures require prior authorization. Most verifications complete within 1–2 business days.
We confirm before your visit
You'll receive a clear summary of your expected costs and coverage ahead of your appointment so you can make informed decisions about your care.
Prior Authorization for Interventional Procedures
Many interventional pain procedures, including epidural steroid injections, radiofrequency ablation, and spinal cord or peripheral nerve stimulator trials, require prior authorization from your insurance company before they can be scheduled. Carriers typically require documentation of failed conservative treatment (physical therapy, oral medications, activity modification) and imaging that correlates with your symptoms.
PDTC handles the prior-authorization paperwork on your behalf. After your consultation, our team submits clinical notes, imaging reports, and prior-treatment history directly to your insurance carrier. Most authorizations are returned within 5–14 business days, though some carriers take longer. We'll notify you as soon as approval arrives so we can schedule your procedure.
If an authorization is denied, Dr. Bhakta and our team can appeal on your behalf with additional clinical justification. Denials are often reversed on appeal when the initial submission lacks a specific piece of documentation the carrier requires.
Additional Coverage Options
Workers' Compensation
We handle workers' compensation cases for work-related injuries. Call our office to discuss your case, we'll coordinate with your employer's insurance carrier to facilitate care.
Personal Injury & Auto Accidents
We treat patients injured in auto accidents and other personal injury cases, including whiplash and spinal injuries. We work with attorneys and insurance carriers to streamline your care.
Self-Pay & Uninsured
Cost of consultation without insurance depends on the complexity of your workup. Please call our office to discuss pricing for your specific situation.
Medicaid / SoonerCare
We do not currently accept Medicaid or SoonerCare. If you have Medicaid coverage, please contact our office to discuss alternative payment options.
Insurance FAQ
How long does insurance verification take at PDTC?
Most insurance verifications complete within 1–2 business days after we receive your plan information. If a procedure requires prior authorization, that step typically takes an additional 5–14 business days depending on the carrier. Our billing team confirms your coverage details before your scheduled appointment.
What if my insurance requires prior authorization for a pain procedure?
PDTC submits the prior-authorization paperwork on your behalf, including clinical notes, imaging reports, and documentation of prior treatments. Most procedures (epidural steroid injections, radiofrequency ablation, and spinal cord stimulator trials) require prior authorization. We'll notify you as soon as approval arrives so we can schedule your procedure.
Does Dr. Bhakta accept out-of-network insurance?
Dr. Bhakta is in-network with most major carriers in Oklahoma, including Medicare, BCBS of Oklahoma, United Healthcare, Cigna, Aetna, Humana, and Community Care. If your plan is out-of-network, call our office, some plans offer partial out-of-network benefits, and we can discuss self-pay options as well.
Are consultations and imaging covered separately from procedures?
Yes. Most insurance plans apply separate copays or coinsurance to office consultations, diagnostic imaging (if ordered), and interventional procedures. Your deductible, copay, and coinsurance will vary by service type. Our billing team can walk you through expected costs for each category before your visit.
What happens if my insurance denies a procedure?
If your insurance denies a prior authorization, Dr. Bhakta and our team can file an appeal with additional clinical documentation. Denials are often reversed when the initial submission lacks a specific piece of documentation the carrier requires. If an appeal is unsuccessful, we'll discuss alternative treatment options or self-pay arrangements with you.
Have Questions About Your Coverage?
Our team is happy to verify your insurance benefits before your visit. Please have your insurance card ready when you call, we'll confirm your plan, copay, and any prior authorization requirements.