If paying cash (no insurance / no OON benefits):

Note: New York City rates reflect premium facility access and higher operating costs. Actual rate shown at time of booking.

If using insurance: Your cost will depend on your out‑of‑network benefits and deductible status. We’ll verify your benefits before your first visit and give you a clear breakdown of:

• Your deductible amount
• How much of it you’ve met
• Your estimated cost per visit until deductible is met
• Any copay or coinsurance after deductible is met

We are Out‑of‑Network with all insurance carriers. That means:

• If you have OON coverage, we will:
  1. Submit claims to your insurance on your behalf.
  2. Apply any payments toward your out‑of‑network deductible.
  3. Once your deductible is met, your insurance may reimburse some or all of the session cost.
  4. You are responsible for any remaining balance not covered by insurance.
• If you don’t have OON coverage, you’ll simply pay the cash rate at the time of service.
• We provide superbills for anyone who wants to submit their own claims.

Why aren’t you in‑network?
In‑network insurance rates often force clinics to shorten visits and see multiple patients at once. We believe your recovery deserves dedicated, one‑on‑one care from a Doctor of Physical Therapy — something only possible through an OON/cash‑pay model.

Can I use my FSA or HSA?
Yes — you can use your Flexible Spending Account or Health Savings Account for all of our services.

Do I need a referral?
No referral is needed to see a physical therapist in Indiana. If we believe you need imaging (MRI, X‑ray) or a specialist, we’ll refer you right away.

How long are sessions?
Initial evaluations are 60 minutes. Follow‑ups are either 30 or 60 minutes.

What should I wear?
Dress in comfortable workout clothes. Bring your running shoes — we’ll often perform a gait analysis.