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How much does a physical therapy session cost? 

Evaluation and Initial Treatment:  $175

  • A comprehensive one-on-one musculoskeletal and postural exam with Dr. McArthur to determine your plan of care.  Your initial evaluation may or may not include an internal pelvic exam. We will begin treatment at the first visit and you will be assigned an individualized home exercise program to address your goals. 

Follow Up Sessions (1 Hour): $175

  • Follow up sessions with Dr. McArthur to address your goals.  You will be re-assessed at each visit and your program will be revised/progressed accordingly. 

Pilates Private Session (55 minutes): $100

  • Private Pilates Wellness session to continue your progress after discharge from physical therapy.


What Forms of Payment Do You Accept?


We accept Visa, Mastercard, American Express, cash, and checks. 

All payments are due at the time of service.


What Insurance Do You Take?


Healthy Core Physical Therapy & Wellness, LLC is 'Out of Network' for all insurances except for Medicare. 


Why is insurance not billed at Healthy Core Physical Therapy?


We charge a flat fee for service.  This allows us to charge a realistic price for our services.   We do this because as insurance deductibles and physical therapy copayments skyrocket, many of our patients who have not met their deductible or have a high physical therapy copayment end up paying less out of pocket than if they went to a clinic within their insurance network.  Also, many 'in network' clinics require you to be seen 2-3 times per week and often use technical assistants to provide your care.   Our patients are seen once a week and every session at Healthy Core Physical Therapy & Wellness is one-on-one with a Doctor of Physical Therapy.  The 'in network' business-model does not support the high level of care that we insist on giving our patients.  Health Insurance does not equal high-quality Health Care, and we think you deserve better.


I have insurance, can I use it?


Call your insurance to check for your ‘out of network’ benefits prior to your first visit if you plan on submitting your claims to your insurance company.  Some insurance companies have separate "in network" and ‘out of network’ deductibles. You will also want to check if your specific diagnosis is covered by your insurance. Click here to download the insurance worksheet to help determine your coverage.

After each visit, you will be given a receipt with all of the necessary information you need to submit for reimbursement.


How do I get reimbursed?


If you choose to self-submit your claim, we will provide you with any paperwork and the proper codes necessary.  The insurance company will pay you directly.  We make no guarantees that you will be reimbursed.


What if I have Medicare?


We will bill Medicare. Any co-pays will be billed to you in accordance with the insurance policy.


Do I need a prescription in order to have physical therapy? 


No. Florida is a "direct access state."  This allows you to be seen by a physical therapist without a physician's referral first and receive treatment for 30 days.   Some insurances may require a prescription or referral from a physician in order to reimburse you. 


Cancellation/No Show Fee


There will be a $50 fee applied if a visit is canceled with less than 24 hours notice or if a client fails to attend a scheduled appointment.


Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost  


Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.  

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit or call Spooner’s Compliance Department at (480) 551-4954).



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