Rates & Insurance

The Insurance Dilemma

Each year health insurance deductibles continue to rise and insurance companies are reimbursing less and less for physical therapy services. In order to serve the best interests of our clients, FLO Physical Therapy & Performance operates under a 100% private-pay model*. This means that we don’t have to overbook facilities in order to compensate for decreasing reimbursement rates, we don’t have to hire additional staff to handle billing and collections, and we can focus all of our time and attention on providing quality care to you, the client.


Your time and money are valuable, so why waste them? Transparent pricing, higher quality care, and quicker recovery times. Get better results in half the time with our streamlined process.

The Traditional Model

The average patient at an insurance-based physical therapy clinic is asked to participate in therapy 2-3 times per week for 6-8 weeks (12-24 visits). Following the initial evaluation, the patient may spend 15-20 minutes with their physical therapist each visit. This therapist will often be working with 3-4 patients within the same hour, meaning their other patients spend the rest of their time performing exercises on their own with minimal supervision, lying on a heating pad or ice pack, or working with a physical therapy aide, technician, or student intern. Without the proper training and experience of a skilled physical therapist, these “supervisors” will often miss important information and physical cues that could be used to enhance the patient’s treatment and shorten their recovery time.

The FLO Physical Therapy Model

At FLO Physical Therapy and Performance, each client will spend a full hour with a Doctor of Physical Therapy each visit. By simply spending more time with you, you’ll usually only need to come to therapy one time per week (some clients benefit from 2 sessions per week early on), and we can often complete your entire course of care within 4-6 weeks (4-6 visits). We emphasize effective, hands-on treatment approaches and evidence-based exercise programs to ensure that every second of your time spent in our clinic is focused on your recovery.

Our Rates

The rate for each physical therapy visit is $110 per hour-long session. Aquatic therapy visits are $120 per hour-long session. These amounts cover all services during your visit and will be collected at the time of your appointment.

physical therapy price comparison

Saving You Money

We get it – it’s tempting to pull out your insurance card to pay for your physical therapy. After all, that’s why you’ve been paying such high monthly premiums. Unfortunately, it’s not uncommon for someone to attend physical therapy for 8-12 visits thinking their services are covered, only to receive a bill for hundreds of dollars after their treatment is over. In some cases services may be denied altogether because they are seen as “not medically necessary”, leaving the patient to cover the costs. By cutting out the middle man, your healthcare decisions are purely between you and your physical therapist. No pre-authorization that could leave you waiting for weeks to get in for a visit. No visit limits determined by an adjuster that has never met you. No receiving services based on reimbursement rates rather than the ones that are most beneficial to you.

Reimbursement Made Simple

Following your visit to FLO Physical Therapy you’ll be provided a superbill that has all of the necessary business information, diagnosis codes, and billing codes needed for reimbursement. Most insurance companies will have a claim form on their website which you can submit along with your superbill and receipt. Your insurance company will then reimburse you directly or apply the total amount to your deductible depending on your “out-of-network” benefits.

*We now accept Medicare for all physical therapy and aquatic therapy visits. For more information please contact us at info@flophysicaltherapy.com.