Participating Insurance Plans

Fukuji & Lum accepts most major insurance plans:

  • HMA, Inc.
  • HMAA
  • HMSA (PPO, HMO, Akamai Advantage)
  • MDX
  • Medicare
  • Medicare Complete
  • No Fault Insurance
  • Ohana Health Plan
  • Tricare/Triwest
  • UHA
  • Workers' Compensation

Please contact your insurance company if your insurance plan is not listed.

Most insurance plans will cover a portion of your treatments. We ask that all our patients take responsibility for knowing their particular insurance coverage, and be prepared to meet the requirements of their policy, including their deductible. However, if your policy is not clear to you, we’re happy to help you understand your coverage and payment requirements.

If you were injured in an auto accident, your auto insurance will be billed. However, if your PIP benefits exhaust, your health insurance will be billed.

Payment Methods Accepted

Fukuji & Lum Physical Therapy is an in-network provider for most insurance plans. Co-pays and deductibles can be paid with MasterCard, Visa, Discover Card, cash, or check.

Payment Options

We recognize that every patient has special circumstances, and that an extended course of physical therapy can be a costly venture. Please contact our office if you think you will need to set up an individual payment plan. Individualized payment plans are also available to those without coverage.


Good Faith Estimate

The No Surprises Act of 2020 requires health care providers to offer a good faith estimate of the cost of services to uninsured patients or those who pay cash (i.e. self pay).