Payments & Insurance
Concierge Physical Therapy with ELEVATE Therapy Services.
We Work For You - Not Your Insurance!
ELEVATE Therapy Services is a cash-based concierge practice serving Oakland & Macomb County, Michigan. As a cash-based provider, we eliminate insurance barriers so your clinician can focus entirely on your recovery — not on paperwork, preauthorizations, or billing codes. You receive undivided, one-on-one care built around your goals with transparent flat-rate pricing and no surprise bills.
| Payment Method | Details |
|---|---|
| Credit & Debit Card | All major credit and debit cards accepted at time of service |
| HSA (Health Savings Account) | HSA cards accepted directly at time of service |
| FSA (Flexible Spending Account) | FSA cards accepted directly at time of service |
| HRA (Health Reimbursement Account) | Accepted with appropriate documentation from your employer |
| Cash | Accepted at time of service |
| Personal Check | Accepted at time of service. Note: $35 returned check fee applies. |
| Payment Plans | Flexible arrangements available — call (248) 266-5721 to discuss your situation |
Service Rate Schedule
Flat-rate pricing for all services. Your care plan is built around your goals — services can be added or adjusted as your progress evolves. All rates are effective as of the Patient Services Agreement date.
| Service & Visit Type | Duration |
|---|---|
| PHYSICAL THERAPY (PT) — Licensed PT / PTA | |
| Initial Evaluation | 60–75 min |
| Follow-Up Visit | 45–60 min |
| Telehealth Visit | 60 min |
| OCCUPATIONAL THERAPY (OT) — Licensed OT / COTA | |
| Initial Evaluation | 60–75 min |
| Follow-Up Visit | 45–60 min |
| Telehealth Visit | 60 min |
| SPEECH-LANGUAGE PATHOLOGY (SLP) — Licensed SLP (CCC-SLP) | |
| Initial Evaluation | 60–75 min |
| Follow-Up Visit | 45–60 min |
| Telehealth Visit | 60 min |
| PERSONAL TRAINING — NASM · ACE · ACSM · NSCA · ISSA Certified | |
| Initial Assessment | 60 min |
| Individual Session | 60 min |
| Small Group (2–4 people) | 60 min |
| MASSAGE THERAPY — Licensed Michigan LMT (MCL 333.17951) | |
| Session | 30 min |
| Session | 60 min |
| Session | 90 min |
| STRETCH THERAPY — Clinician-Informed, All Ages | |
| Regional Session | 30 min |
| Whole Body Session | 60 min |
| Important: Wellness Services & Insurance Personal Training, Massage Therapy, and Stretch Therapy are wellness services and are NOT covered by health insurance plans, regardless of provider. Superbills (CPT/ ICD-10 /NPI) are available for PT, OT, and SLP services only. |
Cash pay advantage
Our streamlined cash-based fee structure eliminates the costly overhead of insurance billing staff and third-party billing services — allowing us to charge below the national average rate. When you factor in out-of-network reimbursement and HSA/FSA savings, cash-pay often costs less than you’d expect.
ELEVATE vs. Traditional Clinic
| What You Get | Traditional Clinic | ELEVATE |
|---|---|---|
| 1-on-1 undivided attention for full session | No | Yes |
| Care at your home, gym, or workplace | No | Yes |
| No insurance authorization delays | No | Yes |
| Transparent flat-rate pricing | No | Yes |
| Flexible scheduling (evenings & weekends) | No | Yes |
| PT, OT, SLP, Training, Massage & Stretch | No | Yes |
| Visit limits set by insurance company | Yes | No |
The Elevate difference
No waiting rooms. No rushed appointments. No administrative red tape. Just you and your clinician — focused entirely on one goal.
Out-of-Network reimbursement & superbills
Most private insurance plans — with the exception of Medicare, Medicaid, and some HMO plans — offer out-of-network benefits. For PT, OT, and SLP services, we provide a detailed Superbill containing all required billing information that you submit directly to your insurer for reimbursement.
How to Submit a Superbill — 4 Steps
We provide a Superbill at or after each PT, OT, or SLP session containing: NPI number, Tax ID, provider license numbers, your diagnosis codes (ICD-10), and billing codes (CPT).
Before your first visit, call the member services number on your insurance card and ask specifically: What is my out-of-network PT deductible? What percentage is reimbursed after my deductible is met?
Mail or upload your Superbill and proof of payment to your insurer. You can submit after each visit, monthly, or in a batch — typically up to one year after the date of service.
Your insurer processes the claim and sends reimbursement directly to you, based on your out-of-network benefit level and remaining deductible.
FSA/HSA Without a Benefit Card?
We provide a Letter of Medical Necessity upon request, which your FSA or HRA account administrator may require for reimbursement. Contact us at (248) 266-5721 to request this documentation.
Your Right to Receive a
Good Faith Estimate
of Expected Charges
What is a Good Faith Estimate?
Under the law, health care providers need to give patients who don't have insurance or who are not using their insurance an estimate of the bill for medical items and services before those items or services are provided.
Your Rights:
- You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.
- You can ask any health care provider or facility for a Good Faith Estimate before you schedule a service.
- If you schedule a service at least 3 business days in advance, the health care provider or facility must give you a Good Faith Estimate in writing at least 1 business day before your service or item. You can also ask for a Good Faith Estimate before you schedule — if you do, make sure the provider gives you one in writing within 3 business days of your request.
- 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.
Questions or More Information?
For questions about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises, email FederalPPDRQuestions@cms.hhs.gov, or call 1-800-985-3059.
Request a Good Faith Estimate from ELEVATE Therapy Services, LLC
This notice is provided in compliance with Section 2799B-6 of the Public Health Service Act and its implementing regulations at 45 C.F.R. § 149.610 (Form CMS-10791). The No Surprises Act does not apply to individuals enrolled in Medicare, Medicaid, Indian Health Services, Veterans Affairs Health Care, or TRICARE. · ELEVATE Therapy Services, LLC · Oakland & Macomb County, Michigan
FREQUENTLY ASKED QUESTIONS
How does private pay physical therapy benefit me as a patient?
Private pay means your clinician focuses entirely on your recovery — not insurance paperwork, visit limits, or preauthorization requirements. You receive undivided, one-on-one attention for the full session, a care plan built around your actual goals, and complete control over the services you receive. No surprise bills weeks after treatment. No denied claims. Just care.
Will I end up paying more than with traditional PT?
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.
Can my insurance reimburse me for services I pay for?
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.
What documents do I need for out-of-network coverage or FSA/HSA?
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.
Personal Training for Active Older Adults (Ages 56–70)
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.
I have Medicare or Medicaid — can I still work with ELEVATE?
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.
What is the cancellation policy?
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.
Ready to Move Better, Feel Stronger, and Live Pain Free?
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