Who we are…

In-Network Providers: In-network providers, like our clinic, have an agreement with your insurance company to offer lower rates. This means your insurance will cover more, and you’ll pay less out of pocket. Once you meet your deductible you may still need to pay a portion, like a co-pay (a set amount per visit) or co-insurance (a percentage of the cost), but it’s usually less than seeing an out-of-network provider.

We are in-network with Medicare, Anthem Blue Cross Blue Shield & Mass General Brigham Healthcare.

Out-of-Network Providers: Out-of-network providers don’t have an agreement with your insurance, which might make it seem like they’ll cost more. However, using your out-of-network benefits may give you access to more personalized, high-quality care that can actually be more affordable in the long run.

We are out-of-network with Aetna, Cigna, Harvard Pilgrim Healthcare, UnitedHealthcare, Tufts Health Plan, Tricare & Martin’s Point.

At our clinic, we believe in providing 1:1 treatment with a Doctor of Physical Therapy (DPT) in private rooms, ensuring you get the focused, expert care you deserve. Unfortunately, some in-network contracts don’t allow us to offer this level of care due to restrictions on treatment times and reimbursement rates. Using out-of-network coverage gives us the flexibility to provide the best treatment possible, often with fewer visits.

As a family-owned and operated business, it’s important to us that we provide care that is not only excellent but also as affordable and accessible as possible for everyone in our community. We live and work here, and as your neighbors, we want to ensure that you get the best possible treatment without sacrificing quality.

We want to make accessing top-notch care as simple as possible. That’s why we offer direct-to-payer courtesy billing to help reduce the stress of managing insurance claims. No more worrying about submitting superbills to get reimbursed by your insurance… We’ll handle the paperwork and submit the claims directly to your insurance provider on your behalf. You’ll still receive reimbursement based on your out-of-network benefits, making it easier for you to afford the care you need. Our goal is to make the process as smooth as possible, so you can focus on your recovery while we take care of the rest!

By using your out-of-network benefits, you may actually save money in the long run compared to paying out of pocket. Many patients find that they pay less overall for the same high-quality care, and with fewer restrictions on treatment, we can often address your needs in fewer visits. Out-of-network coverage gives you more control over your healthcare and allows us to customize your treatment without being limited by insurance guidelines.

How Using Out-of-Network Might Save You Money

While out-of-network care may initially seem more expensive, it could be more cost-effective in the long run. Here’s an example:

Let’s say a clinic in-network with your insurance offers 30-minute sessions (15 min of which is provided by a Physical Therapy Assistant), and your insurance covers 80% of the $100 visit cost. You pay $20 per visit, but because the treatment time is shorter and less personalized, you might need 15 visits to fully recover. Your total out-of-pocket cost is $300 (15 visits × $20).

At our clinic, with out-of-network coverage, we offer 40-minute follow-up sessions at $125 (entire visit 1:1 with DPT). Depending on your insurance, it might cover 60%, meaning you only pay $50 per visit. Because our sessions are longer and tailored to your specific needs, you may require fewer total visits—let’s say just 6 visits to achieve your goals. Your total out-of-pocket cost would still be $300 (6 visits × $50). While the per-visit cost might seem higher initially, you’re getting more value from each session, needing fewer visits, and ultimately receiving more effective care. Plus, with fewer visits needed, you’ll miss less work and get back to the activities you enjoy faster.

Health Savings Accounts (HSAs) are typically available to individuals with high-deductible health insurance plans. You can contribute money to your HSA tax-free, and when you need to pay for qualified medical expenses—such as physical therapy—you can use your HSA funds. HSA funds roll over year to year, allowing your savings to grow if you don’t use them.

Flexible Spending Accounts (FSAs) are offered by employers and allow you to set aside pre-tax dollars for eligible healthcare expenses. Unlike HSAs, FSAs often have a “use-it-or-lose-it” policy, meaning any unused funds may expire at the end of the plan year.

The benefits of using HSAs/FSAs are numerous: HSA/FSAs allow you to use tax-free money to pay for eligible healthcare services, such as physical therapy, co-pays, deductibles, and out-of-pocket costs, reducing your overall expenses. It’s important to verify that the services you're paying for are HSA-eligible. Using your HSA/FSA gives you flexibility in choosing providers—like us—who may be out-of-network but offer the best care for your specific needs. We are happy to accept HSA/FSAs as payment for your cash-based visit, or your deductible, co-pay, or co-insurance for your insurance-based visit.

• Deductible: The amount you pay each year before your insurance starts covering costs.

• Out-of-Pocket Maximum: The most you’ll pay in a year. Once you hit this amount, insurance covers 100% of costs.

• Co-Pay: A set amount you pay for each visit (e.g., $20 per visit).

• Co-Insurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of each bill).

• Visit Caps: Some insurance plans limit the number of visits they’ll cover in a year.

• Health Savings Account (HSA): A tax-advantaged account available to those with high-deductible health plans. You can use HSA funds to pay for qualified medical expenses like physical therapy. Unused funds roll over from year to year.

• Flexible Spending Account (FSA): A pre-tax savings account offered by employers that can be used to pay for eligible healthcare expenses. Unlike HSAs, FSAs often have a “use-it-or-lose-it” policy, meaning any unused funds may expire at the end of the plan year.