Insurance and One Nine Physical Therapy

What makes One Nine different?

Your care extends far beyond the 30-60 minutes of 1-on-1 treatment time with the Doctor of Physical Therapy.  Becoming a patient at One Nine, you enter into an agreement that we will work together to achieve your goals.  We have a vested interest in your well-being and take this responsibility very seriously.   

Will you take my insurance?

We work hard to make paying for your care simple because our clients choose One Nine for the right reasons.

We do not contract with insurance companies because honestly, they don’t pay enough. When they pay less, you get less - like with the other guys. Since we don’t contract with insurance, this allows us to:

  1. Spend all of our efforts providing you or your family member with the highest level of care

  2. Focus on your care needs instead of fighting with insurance for reimbursement

  3. Keep treating you without a lapse in care waiting for insurance authorization and payment

  4. Start right away with you to get you on the right track quickly

There is also some Good News about insurance!  Most PPO insurance plans DO cover physical therapy at One Nine. Also, we do all the work to submit claims to insurance and then they send the reimbursement checks directly to you based on your benefits. Our services ARE REIMBURSED by many plans - not the HMO ones though.  Call us and we will be happy to check your insurance benefits for free before scheduling your appointment.

Making Your Insurance Work for YOU

One Nine provides high quality physical therapy care for you or your family member without all the confusion.
Some providers such as your MD, DO, PT, or DC may be considered "in-network" with your insurance.  This means they have agreed to a lower contracted rate with insurance.  As a result, the quality of the services often suffers.  You may rarely see your therapist, be passed off to assistants, moved to a different therapist suddenly, not properly guided through exercises, or other lapses in quality.  To make matters worse, you may be required to see a doctor for a prescription and pay for more treatment than you need.

Our solutions are simple.  We do not contract with insurance companies because we work for YOU.  One Nine physical therapy services are paid on a fee-for-service basis.  We are out-of-network providers for most insurances, except Medicare.   

Your dollar goes further!  Co-payments and out-of-pocket costs can skyrocket quickly in today's healthcare. A large portion of your health expenses go toward paperwork, processing, management, oversight, and other corporate mechanisms.   With One Nine, your healthcare dollars are spent directly on the services you receive, similarly to your favorite restaurant, salon, or dog groomer.


Do I need a Physician referral or prescription?

No. You are free to see a physical therapist without a referral in California. However, some insurances require a prescription to start. We are happy to call and check for you. Other insurers place restrictions on the number of visits you get per year. Be sure to check your benefits to see what your plan allows.