Payment Policy
Understanding our approach to payments and insurance
Our Commitment to Your Healing
At To The Point Physical Therapy, we are committed to providing you with the highest quality care focused on your long-term healing and wellness. We believe in a model of care that prioritizes your health outcomes over insurance constraints.
Insurance and Payment Information
We Work With Insurance—But Are Not In-Network
Our practice works with all insurance companies; however, we are not in-network with any insurance provider. This means we do not have contracted rates with any insurance company.
While this means that services are not covered at the in-network rate, this model allows us to provide you with the time, attention, and treatment approaches that your healing actually requires—rather than what insurance companies dictate.
Superbills and Insurance Reimbursement
Upon request, we are happy to provide you with a itemized superbill (a detailed receipt of services rendered) that you can submit to your insurance company for potential reimbursement.
Coverage varies significantly between insurance plans—some patients receive partial reimbursement while others may receive none. We recommend contacting your insurance provider beforehand to understand your out-of-network benefits and what reimbursement you might expect.
Payment Methods
We accept the following payment methods:
- All major credit cards (Visa, Mastercard, American Express, Discover)
- Flexible Spending Accounts (FSA)
- Health Savings Accounts (HSA)
- Cash payments
- Payment plans (upon approval)
Why We Choose This Model
We believe that the traditional insurance model often works against achieving lasting healing. Insurance companies typically focus on the minimum necessary treatment to address immediate symptoms—not on supporting your long-term wellness.
Focus on Long-Term Healing
Without insurance constraints, we can spend the time necessary with each patient to identify and address the root causes of your condition—not just mask the symptoms. This approach leads to more sustainable, lasting results.
Treatment Without Restrictions
Insurance companies often limit the number of visits, types of treatment, and session duration. We believe your treatment plan should be based on your individual needs and healing progress—not on what an insurance company is willing to cover.
Patient-Centered Care
Our model allows us to build genuine, therapeutic relationships with our patients. We can provide the continuity of care and personalized attention that is often impossible in insurance-based practices where providers must see high volumes of patients.
Questions About Payment?
We understand that navigating payment and insurance can be confusing. Our team is here to help you understand your options and find the best approach for your situation.
Contact us: (385) 489-4013
Email: clarkbeckdpt@tothepointphysicaltherapy.com