Your Questions, Answered

Why Our Out-of-Network Model Gets You Better, Faster

At Anchor Physical Therapy & Rehab, we chose to step away from the traditional insurance-based model to put the power back in your hands. When a clinic is "In-Network," the insurance company—not the Therapist—often dictates how much time you get and what treatments are "allowed."

1. Fewer Visits, Better Results

Because we spend a full hour of high-quality, manual, and corrective movement time with you, our patients typically reach their goals in half the number of visits required by traditional clinics. You aren't just a "volume" metric; you are a success story in the making.

2. No Hidden Fees or "Surprise" Bills

Insurance billing is notoriously confusing. With our model, you get transparent, upfront pricing. No facility fees, no "denied claim" letters three months later, and no surprises.

3. Use Your HSA or FSA

Physical Therapy is a qualified medical expense. You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) debit cards to pay for our services directly, using pre-tax dollars to save roughly 25-30% on your overall investment.

4. We Provide the "Superbill"

While we do not bill insurance companies directly, we can provide you with a Superbill (an itemized receipt with medical coding) that you can submit to your provider. Many PPO plans offer Out-of-Network Reimbursement, meaning they may mail you a check for a portion of the cost.