Direct-Pay Physical Therapy Services

Your health. your way.

Direct-pay (fee for service) physical therapy puts you back in control of your health!

How Direct Pay Service Benefits You

Our direct payment system offers you the highest level of care for a flat rate of $100 a session.

Let us explain how this benefits your health, saves you time and can actually save you money:

ACRO Physical Therapy & Fitness was founded with the goal of Inspiring Individuality in our clients.  This goal ties in with the belief that top-notch care cannot be rushed, limited or capped. Your quality of life should not be dictated by your insurance company. Each direct-pay visit is 45 minutes of one-on-one contact with the PT (as opposed to the typical 20-30 minute model). Our therapist has the time to fully assess your condition(s), provide hands-on treatment, educate you and help you build a plan to get back to your life. Knowledge really is power. By having extended time with each patient, they are able to provide faster results and better outcomes! 

There are a number of reasons why direct-pay services may be the best choice for you.

  1. For high deductible insurance plans, the out of pocket cost to the patient can actually be higher compared to a direct pay service. Unlike insurance-based pricing, which is unclear, inflated and dictated by the insurance companies, direct pay service allows for no-hassle, transparent and more affordable rates.

  2. Many insurance plans require a physician referral, benefits authorization, or proof of medical necessity - all of which may delay your access to treatment. With direct-pay service, simply book an appointment and you’re good to go.

  3. When insurance companies are involved, they do not allow much flexibility in care. If you have a different injury from your original referral, you will be required to start over with a new claim. That means a separate insurance authorization, appointment for evaluation, and more paperwork. A direct-pay service allows you and your PT to decide how best to use your appointment time for best and quicker results.

Physical therapy is a service that has been lumped together with most other medical services as something that should only be paid for through third party payers (i.e. insurance companies). However, this often results in a less efficient, less complete, and less effective treatment experience. Many people living with pain still believe that physical therapy and insurance coverage must go hand-in-hand, yet they also spend money out of pocket for services like massage therapy, chiropractic, fitness training, and alternative medicines in the hope that they will help decrease their pain. What some are starting to realize is that if physical therapy is the most direct and effective way to treat musculoskeletal pain, then direct-pay access is the way to go.


If you have insurance that offers out-of-network coverage and want to use it, you can. You pay directly (at the time of service) and we will issue you a receipt (known as a "superbill") that you can submit to your insurance company. They will then choose the amount to reimburse you. Each plan varies, so you should review your policy specifics, but typically an “out of network provider” is compensated at a percentage of shared cost.  This means that your insurance provider will pay a percentage of the cost and you will be responsible for a percentage. 

As every insurance plan is different, we recommend using this checklist of questions to find out more about your specific plan:

TOP 4 QUESTIONS to ask your insurance provider regarding your out-of-network benefits for physical therapy:

1. Do I have out-of-network physical therapy benefits? If not, what does that mean?
2. Am I eligible to receive direct reimbursement from the insurance company for my physical therapy visits?
3. What percentage of the money I paid at my physical therapy visit will you, the insurance company, reimburse me (the patient)?
4. Do I have an out-of-network deductible to meet first?

*Please note: We do not interact directly with any insurance plan that we are not in network with (at this time we are only in-network with BCBS & Tricare). We are happy to provide you with all the paperwork & medical documentation that you may need - but we will not directly bill, call or respond to your insurance plan on your behalf.



If you want to know more, please email us directly!  We are happy to answer any questions that you have about direct-pay physical therapy!