All session fees are collected at the time of service. If using insurance, we will submit claims to your insurance company on the date of service, then your insurance company sends reimbursement directly to you (the patient / beneficiary) according to your plan benefits. The following rates are effective for 2026 for a typical 1-hour session:
| Payment Method | Initial Session | Follow-up Session | Estimated Out-Of-Pocket |
| Self-Pay | $140 | $120 | full session fee |
| Medicare | $200 | $116.16 | $15 per session |
| Medicare Advantage | $200 | $120 | $15-$19 per session |
| Private / Commercial Insurance | $200 | $120 | depends on plan |
Self-pay
Initial session: $140 (Billed amount of $250 minus $110 self-pay discount)
Follow up sessions: $120 (Billed amount of $220 minus $100 self-pay discount)
***DISCOUNT PACKAGE*** In addition to a discount for paying at time of service, we offer a 5 follow-up session package for $550. This is a $50 savings compared to paying for 5 follow-up sessions individually. This discount applies only to follow-up sessions, is only available for self-pay patients, and expires within 1 year of purchase.
Medicare
If you intend to have us submit claims to Medicare, please note that Medicare first requires a physical therapy referral from a physician (MD or DO), physician’s assistant, or nurse practitioner. Medicare will reject any physical therapy claim submitted without a referring provider. Our relationship with Medicare is classified as “NON-Par” which means that we are considered in network but can charge up to 15% more that the Medicare allowed amount. For the first session the Medicare allowed amount is around $182 to $185 and we collect $200. For all follow-up sessions the Medicare allowed amount is $101.01 and we collect $116.16. We collect the full session fee from the patient at the time of service, submit the claims to Medicare, then Medicare sends a reimbursement check for its portion (around $80) directly to the patient and forwards the claim to the secondary insurance (if any) which will then send its portion (around $20) directly to the patient. If you have a financial hardship, we will be happy to delay collecting the session fees for up to 4 weeks to allow sufficient time for you to receive your insurance reimbursement first before paying for the session.
Medicare Advantage / Replacement Plans
Some Medicare advantage plans require a physical therapy referral while some do not, so we strongly recommend contacting your plan representative prior to your first session to confirm their requirements. While we are technically not in network with any insurance other than Medicare, Medicare advantage plans consider us in-network due to our relationship with Medicare and therefore should reimburse at the Medicare allowed amount. If this is the case, we follow the same billing procedure as with Medicare with the exception that we collect our full follow-up session fee of $120 per session.
Commercial / Private Insurance
We are happy to bill your insurance company to take full advantage of your out-of-network insurance benefits. As we are only in network with Medicare, we would be considered out-of-network for all non-Medicare insurance companies. We will collect the full session fee at the time of service ($200 for initial session and $120 for follow-up sessions), submit the claim to your insurance company, and then your insurance company will send reimbursement checks directly to you in the amount according to your plan agreement. We strongly recommend that you contact your insurance company prior to having a session to make certain of your out-of-network physical therapy benefits as well as whether or not a physical therapy referral is required.