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Physical Therapy Insurance & Payment Check your coverage

Delivering physical therapy you actually value is our number one priority. To protect that standard, we bill some insurance plans directly as in-network and stay out of network with others.

In network

We bill these plans directly for your physical therapy. Your deductible, copay, and coinsurance may affect your cost.

  • BCBS of Michigan PPO
  • Medicare Plus Blue PPO
  • Medicare
  • Auto insurance
  • Workers' compensation

Out of network

You pay for services up front. If you have out-of-network benefits with your plan, we will bill for you as a courtesy and you will be reimbursed directly. Still unsure how this works? Contact us.

  • Priority Health
  • UnitedHealthcare
  • Aetna
  • Cigna
  • HAP
  • Blue Care Network

How billing works

In network vs. out of network

In network

  1. 1

    You come in for your session.

  2. 2

    We bill your insurance.

  3. 3

    Deductible not metYou cover the full cost of the session.

    Deductible metYou pay your copay or coinsurance. Your plan covers the rest.

Out of network

  1. 1

    You come in for your session.

  2. 2

    You pay for your session at the time of your visit.

  3. 3

    If you have out-of-network benefits, we bill your insurance for you. Your plan reimburses you directly, up to the maximum it allows for PT. You've already covered the rest.

No surprise fees. No hidden costs. We keep care as transparent as possible.

Out of network doesn't mean more expensive

Don't assume care costs significantly more because we're out of network. With deductibles on the rise and copays and coinsurance on most plans, going in network still comes with a cost.

Contact us and we'll run an insurance verification that shows what working with us costs compared to going in network with your current plan.

Verify My Insurance See pricing

Transparent out-of-network pricing

Know your price before you commit. No surprise fees, no hidden costs.

New Patient Special
100%
Money-Back
Guarantee

Initial Evaluation

Valued at $249
$197

Full movement and strength testing, a clear diagnosis, and a plan built around getting you back to your sport. 60 minutes of 1-on-1 with a Doctor of Physical Therapy.

Pay As You Go

Session by Session

$200per visit

60 minutes of 1-on-1 with your Doctor of Physical Therapy every visit. No commitment. Pay for each session as you go.

Best Value

Plan of Care Commitment

Save $40 per visit
$160per visit

Commit to your full plan of care and get the same 60-minute 1-on-1 sessions at a discounted rate.

Using insurance?
We'll verify your benefits before your first visit.

Frequently Asked Questions

Do I need a referral to start physical therapy?+
In most cases, no. You can request an appointment directly. Some insurance plans may require a referral before benefits apply, and our team will help you understand what is needed before your first visit.
What insurance and payment options do you offer?+
We’re in network with Blue Cross Blue Shield of Michigan PPO, Medicare, Medicare Plus Blue PPO, auto insurance and workers’ compensation. For all other plans, you pay up front and we bill your insurance as a courtesy so you’re reimbursed directly. HSA and FSA cards are accepted.
What makes PT with you different from traditional physical therapy?+
Every session is one-on-one with a Doctor of Physical Therapy with no aides or generic exercise sheet. We combine hands-on care, objective strength and movement testing, and sport-specific training inside an 11,000-square-foot performance gym so you can return stronger than ever.
What happens during my first appointment?+
Your first visit is a one-on-one evaluation with a Doctor of Physical Therapy. We'll discuss your injury, training history, and goals; assess mobility, strength, movement, and sport demands; and map out a clear plan. You'll leave knowing what we found, what comes next, and what you can begin doing immediately.
Do you only treat competitive athletes?+
No. We work with competitive athletes, active adults, lifters, runners, and anyone motivated to move and perform better. You do not need to compete at an elite level to receive an elite standard of care. Your program is built around the demands of your life, training, and goals.
How long are sessions, and how many visits will I need?+
Sessions are 60 minutes of one-on-one care. Your visit frequency and total plan depend on the injury, your starting point, and your goals. Many non-surgical sports injuries improve within 10–15 visits, while post-operative and return-to-sport plans may continue for 6–12 months. We'll give you a personalized roadmap during your evaluation and adjust it using objective progress testing.
Will I receive a home exercise program through the Souva PT & Performance app?+
Yes. Your personalized home program will be delivered through the Souva PT & Performance app, where you can view exercise videos, follow your plan, and keep everything organized between visits. We'll update the program as you progress so it continues to match your recovery and performance goals.