Cost & coverage
Why we’re out-of-network
We made a deliberate choice: we don’t contract with commercial insurance companies. It isn’t about being exclusive. It’s about protecting the thing you’re actually coming for — your therapist’s full attention. Here’s how it works, what it costs, and why we think it’s worth it.
What it costs
You pay at each visit. We accept HSA and FSA cards. Please give us 24 hours’ notice to cancel; late cancellations are $75.
How your insurance fits in
Out-of-network
We are not in-network with any commercial plan. If your plan has out-of-network benefits, we provide a superbill — an itemized receipt with the codes your insurer needs — and you submit it for reimbursement.
Non-participating provider
We submit your claims directly to Medicare. You, or your secondary insurance, cover the 20% Medicare doesn’t pay, along with any deductible.
Why we do it this way
Your time is protected.
Every visit is one-on-one with the same physical therapist. No aides. No hand-offs. No juggling several patients at once. Insurance reimbursement is set per visit, and for many practices the math only works if a clinician sees more patients each hour. We chose to see one.
Your care is built around you — not around a visit limit.
Insurers decide how many visits they will pay for, and often need to approve treatment in advance. Without that in the middle, your plan of care follows what your body needs and how you respond, not what has been authorized.
Less paperwork between you and your therapist.
Prior authorizations, claim disputes and coding fights all take clinical time. Ours goes to you.
Why the investment can be worth it.
Thorough, hands-on care costs more per visit. For many patients it can help avoid costly procedures and visits that don’t get them anywhere, and resolve problems that once seemed hopeless. That’s why we think it’s worth the added expense.
Using your out-of-network benefits
Before your first visit, three questions are worth asking your insurer:
- Do I have out-of-network benefits for outpatient physical therapy?
- What is my out-of-network deductible, and how much have I met this year?
- What percentage do you reimburse for out-of-network physical therapy once it’s met?
A short call or a look in your insurer’s app will tell you roughly what a course of care will cost you. If you’d like help making sense of it, ask us.
Is this right for everyone?
Not necessarily — and we’d rather say so plainly. Paying at the visit and waiting on reimbursement isn’t easy for everyone, and we understand that cost matters. If you’re weighing it up, send us a message and we’ll explain how it works for your situation before you decide.
Questions about cost?
Send us a message and we will contact you. You can also call (212) 366-4450 and leave a voicemail.