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Rates & Insurance

The BodyFit Physical Therapy Difference

Our current medical environment is quick to tell us that we are broken and can only be fixed by pills, shots or surgery. BodyFit Physical Therapy is here to show you that there is another way. Your body has the amazing ability to heal itself, to adapt and to survive in any environment. We just need to get out of our own way.

The path back to our healthiest self is not through canned approaches and outdated methods, such as ice packs, therabands, and stationary bikes. This one-dimensional strategy is rampant in traditional, in-network, third-party-pay physical therapy practices – you’ll soon see our tactics are delightfully different!

BodyFit Physical Therapy is a private-pay (cash-based) rehab and performance center. Before you click-off the site from the thought of not using your insurance, let’s shed some light on what cash-based physical therapy is and how this method will likely save you time, money and resources, while also helping you achieve your desired results.

Please Keep Reading…

Break Down:
Cash-Based Model Defined

  • BodyFit Physical Therapy chooses (emphasis on this being an intentional decision) a cash-based model for our practice. In a cash-based treatment model, your therapist enters into an agreement with you to provide physical therapy services in a manner that both parties have decided upon (AKA: FULL TRANSPARENCY with no surprise bills 3 months in) to help you reach your treatment goals most efficiently.


  • You will pay at the time of service. This model allows us to focus on providing direct, one-on-one care, while keeping administrative costs low. You may pay for services using actual cash, a check, a credit/debit card, or with your HSA.


  • In some instances, you may also personally file for reimbursement from your insurance company to curb your out-of-pocket expense. We can help you both determine what your out-of-network benefits will likely reimburse you for and we can help you file to obtain reimbursement.  Most insurance companies, with the exception of Medicare, Medicaid and some HMOs, will provide reimbursement for services received “out of network”. Most insurance companies reimburse 60-80% (unless you have a high deductible -which in that case you will pay out of pocket for both in-network and out-of-network providers.  No worries…We can help you with this process.


  • Cash-based does not mean our team is short on the education, qualifications and accreditations necessary to provide you with best-in-class medical care. In fact we are more savvy and experienced to know that the 15 minutes with our patients per visit that in-network providers provide is just not enough to treat you with the  best and most efficient care. 


  • We blend unique backgrounds in strength, conditioning, and human performance to go well beyond rehab and help you live your happiest, healthiest life.

Why Cash Based?
Benefits by the Numbers

  • We are not big on limitations – neither are you, which is why you’re here. In my 30+ years of experience, third-party payers pressuring for immediate diagnoses, insisting on confining treatments, and interfering with the therapy we want to provide, often hurts the patient’s progress and hinders our ability to reach his or her goals.


  • Furthermore, (…can we get a drum roll, please?), out-of-pocket expenses over the course of physical therapy will often be less expensive for patients like you with a cash-based model than through traditional physical therapy practice.

  • Yes, if you calculate the time spent travelling to and from your 3 times per week In-Network PT sessions (where you are only treated for 10-15 minutes of your 1 hour therapy session), plus add the time waiting in the waiting room at PT, then add the time waiting to finally be treated by your in-network therapist as they try to be free to work with JUST YOU and then add don't forget to add the most important cost - there may be co-pays & an in-network deductible that you may need to pay.  You will soon realize that the in-network model is not best use of your time & money! 

  • Before you decide to go in-network, check your benefits! We highly suggest (and will do this for you for free if you would like) to call your insurance company to inquire about your in-network and out-of-network benefits. Oftentimes you will have a deductible for BOTH that you will need to meet before your visits are covered (usually only partially) by your insurance company. To check your benefits, go to the back of your insurance card, and then call the toll-free number they provide for customer services. For a full list of questions to ask - call us! We will help you get all the information you need from your insurance company so you make an educated decision and a smart decision about YOUR HEALTH! 


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