One Nine and Insurance

Physical Therapy and Insurance

Visiting an in-network therapist may be a cheaper option, but there are a few things to consider before you make your choice. 

In-network therapy clinics often treat 2-3 patients/hour and a patient regularly sees the therapist for less than 20 minutes. They do this because they have contracted with your insurance to take less reimbursement for your care. This contract directly dictates the quality of care that you receive, because they must see more patients to stay in business.

We bill your insurance on an out-of-network basis. We have no contracts with the insurance company, so our focus remains on your care. On average, you require less visits, resulting in similar or reduced overall costs to you. 

Understanding your insurance

  • No matter where you go, you pay everything until your deductible is met.

  • The amount you pay elsewhere may be more than expected if your deductible is not met. We bill a flat rate, so you know your costs up front.

  • In-network providers cannot discount services. We set our rates competitively and have packages that save you money.

  • Many insurances pay on a per diem basis. This means that no matter how short your appointment is, you pay the same. Our visits are the full time with a therapist 100% of the time.

What should I know about my insurance?

We recommend you ask your insurance company the following questions:

  1. Do I have out-of-network benefits?

  2. What is my out-of-network deductible?

  3. How much do you reimburse for out-of-network physical therapy services? (termed co-insurance)