Important Information

Billing and Insurance

We’ve taken the headache out of billing.

Insurance Billing

Everything about your visit to Confluent PT is made as easy as can be by our team–and that includes billing. Your road to recovery can be complicated enough, so we’ve worked hard to make our processes easy for you.

When it comes to billing, it’s as simple as this:

  • First, we verify your benefits so that you can know exactly how much your copay for physical therapy will be. Confluent PT works with most insurance carriers. We also provide out-of-network benefits for most plans; sometimes out-of-network is not as expensive as you might think.
  • When you visit, we’ll collect the copay and apply it to your account with us.
  • We’ll take care of submitting a claim to your insurance company so they are aware of your appointment. It can take the insurance company up to 45 days to process a claim.
  • Once it has been processed, we’ll review the claim and let you know if you have a balance or a refund coming your way.

We know that insurance can seem complicated, so if you have any questions about your insurance or about how billing works, we encourage you to contact our helpful billing department at any time at Don’t let the headaches associated with billing and insurance stand in the way of getting the pain relief that you deserve.

Non-Insurance Rates

If you prefer to pay cash for our services, here is a list of our fees.

  • First Appointment 60-Minutes - $90
  • 30-Minute Follow up Visit - $60
  • 60-Minute Follow up Visit - $90

Do you have a High Deductible
Health Plan?

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone.

Navigating the healthcare system can be stressful – financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later… and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, opioid medication, injections, and surgery.

Let us help you get the care you need – without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

Here’s what you need to know:

What is a High Deductible Plan?

A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load. According to the IRS, in 2020, a health plan is considered an HDHP if….

  • The deductible is $1400 or more, for individuals
  • The deductible is $2800 or more, for families

Additionally, more than 90% of persons enrolled in an Exchange Plan are in High Deductible Health Plans, in which the deductibles are even higher: $5300-7700 for an individual and $7400 - $15,000 for a family.

So, how can Confluent PT help me?

At Confluent PT, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:


Confluent PT has partnered with CareCredit to offer flexible payment plans for our patients. CareCredit provides convenient payment options so that you can get the treatment you want and need while paying for it over a period of time, often without incurring interest charges. It’s ideal for co-payments, deductibles, and treatments not covered by insurance. Search for your local clinic here and complete the CareCredit Application to find out what monthly payment options are available for you.

Flexible Spending Accounts & Health Savings Accounts

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance. There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different – it’s best to contact your insurance provider for details on eligibility and benefits.

Accepted Insurance Plans

We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.

Another Bonus?

The physical therapists at Confluent PT are specialists, not generalists, which means you get results in fewer visits, saving you time and money. .

The Bottom Line

Don’t delay or avoid physical therapy due to your high deductible plan. If you have questions about your specific plan, payment options, or the Care Credit process, let’s discuss it! Our expert billing team can help. Email