Insurance & Pricing
We accept Medicare Part B, Medicare Advantage PPO, and commercial PPO plans. Self-pay options available with full price transparency — no surprises.
Why We Choose to Stay Out of Most Insurance Networks
Most insurance contracts require therapists to see multiple patients simultaneously, limit visit durations, cap the number of treatments, and constrain the clinical approaches we can use. We believe that model is incompatible with truly excellent care.
By staying out-of-network with most commercial insurers, we eliminate pre-authorization delays, visit limits, and protocol restrictions — giving us the freedom to do what's actually best for you, every session.
No Pre-Authorization
Start your treatment immediately — no waiting weeks for insurance to approve each visit.
No Visit Limits
We continue treatment as long as clinically appropriate — not until an insurance company says "enough."
Your Therapist, Always
No plan dictates your care team. You always work directly with Megan or Ashley, never a rotating aide.
Three Paths to Getting Care
Medicare Part B
We are Medicare Part B providers. After meeting your annual deductible, Medicare typically covers 80% of the approved amount. A secondary/supplemental insurance may cover the remaining 20% — often resulting in little or no out-of-pocket cost.
2026 Medicare Info
- Telehealth visits also covered
- No homebound requirement
- We bill Medicare directly
Medicare Advantage PPO
We accept Medicare Advantage PPO plans. Coverage varies by plan, but typical copays for out-of-network PT services range from $15–$40 per visit. We recommend calling the member services number on your card to verify your specific benefits before your first appointment.
Typical MA PPO Estimates
We do not bill HMO plans. If you have an HMO plan, self-pay rates apply.
Self-Pay / Cash-Based
Transparent, predictable pricing. All self-pay clients receive a Good Faith Estimate before treatment begins so you know exactly what to expect. No hidden fees.
Self-Pay Rates
Initial Evaluation
55–75 minutes
Follow-Up Visit
60 minutes
- HSA & FSA cards accepted
- Superbills for PPO reimbursement
- Good Faith Estimates provided
- Cash, check, credit card
About Superbills & Out-of-Network Reimbursement
If you have a commercial PPO insurance plan (not Medicare, not HMO), you may be able to submit a superbill to your insurance company for partial reimbursement of our services — even though we are out-of-network.
A superbill is an itemized receipt that includes all the clinical codes your insurance needs to process an out-of-network claim. We provide these automatically upon request.
We recommend calling the member services number on your insurance card and asking: "What is my out-of-network physical therapy benefit and what is my out-of-network deductible?" — before your first visit.
Questions About Your Coverage?
We're happy to help you navigate your insurance benefits and understand your options. Call us before your first visit and we'll walk through it with you.