Why We No Longer Accept Insurance
We no longer accept insurance because we believe you deserve better—higher-quality care and faster results. We value your time, and we know it can never be replaced. The sooner you recover, the sooner you can return to the activities you love—without pain or limitations.
We’ve chosen to stop participating in a failing system that often offers minimal results while contributing to rising healthcare costs. We don’t want our patients to feel rushed, under-treated, or forced into repeated visits that lead nowhere. Unfortunately, insurance coverage for physical therapy often fails to deliver real value. Many PPO plans come with deductibles as high as $5,000, and unless you’re injured frequently, most people don’t come close to meeting that threshold.
An average injury should take no more than six visits to recover—if you’re working with a knowledgeable physical therapist. And with many clinics charging around $150 for an initial evaluation and $85 for follow-up visits, you could fully recover for under $600 out of pocket. If your insurance deductible is higher than that, you’re essentially paying twice—for premiums and for your actual care.
Insurance coverage for physical therapy may make sense for athletes or laborers with frequent injuries, especially as part of employer or union benefits. But even then, care through HMO systems is often inefficient. With lower co-pays and premiums comes a lack of autonomy—your care is dictated by insurance companies and their restrictive rules.
Therapists are often burdened with excessive documentation requirements just to get reimbursed, leaving less time to actually help patients. Claims can be denied for minor discrepancies—for example, if a therapist treats a hip issue that’s contributing to knee pain, but the prescription only mentions the knee. This rigidity overlooks the fact that the body is interconnected, and that good therapy should treat root causes, not just symptoms.
Unfortunately, many large institutions and “POPS” (physician-owned physical therapy services) contribute to this problem. These clinics may prioritize revenue over results, seeing high volumes of patients with little incentive to discharge them quickly. In these systems, care can feel rushed, impersonal, and delayed—often with long wait times and over-reliance on medications, injections, or surgery when simpler solutions could have worked earlier.
It’s important to understand what each healthcare professional is trained to do. Physicians diagnose disease and prescribe medication. Orthopedic surgeons perform surgeries. Physical therapists specialize in musculoskeletal conditions, helping people move better and recover from injuries without invasive procedures. If you have neck pain or a sprained ankle, do you really need to see a surgeon or a general practitioner?
Physical therapists are not chiropractors, massage therapists, or fitness instructors. We are movement experts with advanced training in muscle and joint function. While some therapists market themselves with added services, it’s essential to understand our core purpose: restoring function and performance through evidence-based care.
For these reasons, we recommend insurance only for true emergencies—serious injuries, neurological conditions like stroke or Parkinson’s, or hospitalizations requiring surgical intervention. In these cases, insurance is essential. But for most musculoskeletal injuries, physical therapists can get you better quickly and affordably—often for less than your annual insurance deductible.
Even the U.S. military uses physical therapists as primary care providers for injured soldiers—because it’s cost-effective, efficient, and produces excellent outcomes. After hospital care, PT remains part of the recovery process, whether at home or in outpatient settings. If you’re mobile, even with a limp, chances are a skilled physical therapist can help you fully recover—and we’re here to do exactly that.
Your healthcare experience should be happy and hassle-free!
