In many cases, no — and often less. Our simplified billing structure eliminates the overhead of insurance billing staff, allowing us to charge below national average rates. When you factor in potential out-of-network reimbursement, HSA/FSA tax advantages, and the efficiency of individualized sessions (fewer visits needed for the same outcomes), total cost frequently compares favorably. Tip: Call your insurer before your first visit and ask about your out-of-network PT deductible and reimbursement rate.

Most private insurance plans — except Medicare, Medicaid, and some HMO plans — offer out-of-network benefits. For PT, OT, and SLP services, we provide a Superbill with all required information. You submit it directly to your insurer, and reimbursement is sent to you. Personal Training, Massage Therapy, and Stretch Therapy are wellness services and are NOT covered by health insurance regardless of provider.

Out-of-Network: A Superbill (Statement for Insurance Reimbursement) — provided upon request for PT, OT, and SLP services. Check your specific out-of-network benefits before your first visit.
FSA / HSA: Pay directly with your FSA or HSA card. If your account administrator requires additional documentation, we provide a Letter of Medical Necessity upon request.
HRA: We provide receipts and documentation your employer’s HRA administrator may require for reimbursement.

This is a deliberate, mission-driven choice. In-network provider status is often determined by geography — not by education, clinical experience, or patient outcomes. By remaining out-of-network, our clinicians stay free from insurance-imposed visit limits, documentation requirements, and billing constraints. Every decision about your care is made by your clinician — not an insurance reviewer who has never met you.

ELEVATE Therapy Services is a non-participating, non-enrolled provider. Federal law (42 U.S.C. § 1395u) prohibits non-enrolled providers from accepting cash payment from Medicare beneficiaries for services that would normally be covered under Medicare Part B.
Important: You have the right to seek care from a Medicare-enrolled provider at any time. Please call (248) 266-5721 to discuss your specific situation.
Note: Personal Training, Massage Therapy, and Stretch Therapy are wellness services not covered by Medicare regardless of provider, so Medicare beneficiaries may receive these services from ELEVATE.

24-hour notice required to cancel or reschedule without charge.
Late cancellation (less than 24 hours): 50% of the session fee.
No-show: 100% of the session fee. Two consecutive no-shows or repeated late cancellations may result in discharge from the program.