Insurance and Payment Policies

Physical Therapy Insurance Coverage

Link PT is out-of-network with all insurances. The traditional insurance model limits us, as providers, from giving the best possible care.  The out-of-network provider structure allows us to provide you with patient focused, quality based, and highly personalized care.  This model results in a higher standard of care that meets YOUR individual health and wellness needs that are not limited by restrictions imposed by your insurance provider. We value your time and motivation to get back to full function and activity! Rather than waiting 2 months or longer to be scheduled start PT, you will be scheduled promptly with a seasoned specialist that remains your dedicated therapist throughout the course of treatment. We believe this patient-focused model results in better outcomes, utilizing your time and investment more effectively and efficiently.  

We ask that payment be made at the time of service (credit card, cash, or check). As a courtesy, we can submit the claim for you, unless you wish to do so yourself. You will be reimbursed directly by your insurer, based on your plan. While most insurances cover at least a portion of physical therapy, it is recommended that you check with your specific carrier for details.

Appointment cost

All appointments (evaluations and treatment sessions) are $190.

Payment is made at the time of service. Each appointment is a private, one-on-one session of about an hour.

Medicare Policy

Because we are an exclusively out-of-network practice, we cannot provide Medicare beneficiaries with physical therapy services that are covered by Medicare.

However, we can provide services that are not covered by Medicare, including wellness services and physical therapy for sexual dysfunction. For more details, please see attached Letter for Medicare Beneficiaries.

Insurance Claims

Link Physical Therapy will submit your claim for you after each visit, or, if you prefer, provide you with a detailed invoice for self submission.

For Self-Pay Patients

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You will receive a Good Faith Estimate for the total expected cost of your physical therapy services.

  • You will receive a Good Faith Estimate in writing at least 1 business day before your first physical therapy evaluation and a second estimate prior starting subsequent sessions. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate Total, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate.

Note: It has always been our policy at Link PT to be transparent about our billing practices, including informing all patients with the cost of services before initiating care. We recognize this healthcare requirement may feel redundant for our patients and can limit our ability to promptly initiate care. The Private Practice Session of the American Physical Therapy Association is currently advocating for its members with the Center for Medicare and Medicaid Services (CMS) re: how the new “No Surprises Act” pertains to physical therapy private practice. As such, we expect to keep you apprised of any developments that affect us and you, the patient.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (847)868-8396.