Did You Know? Your Insurance Might Cover Out-of-Network Physical Therapy!
At PT Instant, we provide high-quality, personalized physical therapy without the need for in-network restrictions. Many people assume that if a provider is out-of-network, insurance won’t cover anything—but that’s not always true. In fact, many insurance plans will reimburse you for physical therapy services even if you pay out of pocket.
What Is Out-of-Network Physical Therapy?
Out-of-network simply means that your physical therapist doesn't have a direct contract with your insurance company. At PT Instant, we are considered an out-of-network provider, which gives us the flexibility to focus on personalized, one-on-one care—without the limitations that insurance networks often impose.
But here’s the good news: many insurance plans, especially PPOs, offer out-of-network benefits that can reimburse you for a significant portion of your visit costs.
Which Insurance Plans May Cover Out-of-Network PT?
If you have one of the following plan types, there’s a good chance you’re eligible for reimbursement:
PPO (Preferred Provider Organization) – Offers the most flexibility and typically covers a portion of out-of-network services after a deductible is met.
POS (Point of Service) – May offer some out-of-network benefits with a referral from your primary care provider.
Certain Medicare Advantage PPO plans – These may offer out-of-network benefits, but it's best to confirm directly with your plan.
On the other hand, HMO plans and traditional Medicare or Medicaid typically do not cover out-of-network services unless it's an emergency.
How It Works: Paying for PT & Getting Reimbursed
Here’s a quick breakdown of the process:
Pay upfront for your physical therapy session with PT Instant.
We provide you with a superbill—a detailed receipt that includes necessary medical codes.
You submit the superbill to your insurance company using their out-of-network claim form.
Your insurer may reimburse you directly for a portion of the visit cost, depending on your plan’s out-of-network coverage.
Many clients receive 40–80% reimbursement after meeting their deductible!
What Should You Do Next?
Call your insurance and ask:
“Do I have out-of-network benefits for outpatient physical therapy?”
“What percentage of the visit is reimbursable after I meet my deductible?”
“Do I need pre-authorization?”Ask us for a superbill after your session—we’re happy to provide it.
Why Choose PT Instant?
By working outside insurance networks, we’re able to:
Offer personalized care, not rushed 15-minute visits.
Focus on your long-term recovery, not just insurance checkboxes.
Work with you remotely, making therapy more convenient and accessible.
Still Have Questions?
We’re here to help! Reach out to us at ptsai@getptinstant.com and we’ll guide you through the insurance reimbursement process or schedule your first session.