Insurance Options
Using Insurance at Oak City PT
Oak City Physical Therapy participates with several major insurance plans and continues to expand our network. Because benefits can vary by individual plan, we recommend confirming your coverage before your first visit.
In-Network Coverage
Insurance Plans We Participate With
We are currently in-network with the plans listed below. Participation may vary by specific plan or product, so coverage should be confirmed based on your individual policy.
Copays, deductibles, coinsurance, visit limits, referrals, and authorization requirements are determined by your individual plan.
Verification of benefits is not a guarantee of payment. Final coverage, reimbursement, and claim decisions are determined by your insurance company.
SELF PAY OPTIONS
Flexible Care With Clear, Upfront Pricing
Oak City Physical Therapy accepts insurance and also offers straightforward self-pay options. Self-pay may be a good fit for patients who prefer predictable pricing, have a high deductible, want fewer insurance restrictions, or simply value more flexibility in how their care is scheduled.
Initial Evaluation
45 minutes
$140
A comprehensive one-on-one assessment and personalized treatment plan.
Follow-Up Visit
45 minutes
$120
Individualized treatment focused on your progress, goals, and current needs.
Extended Follow-Up
60 minutes
$140
Additional one-on-one time for patients with more complex goals.
Express Visit
20 minutes
$60
Dry Needling Visit
20 minutes
$60
Complimentary Consultation
20 minutes
$0
UNDERSTANDING YOUR BENEFITS
Understanding Your Physical Therapy Benefits
Insurance coverage can vary significantly, even between two plans offered by the same insurance company. Your estimated responsibility may depend on several factors.
Copay
A fixed amount you may owe at each visit.
Deductible
The amount you may need to pay before your insurance begins sharing the cost of covered services.
Coinsurance
A percentage of the allowed amount that may remain your responsibility after your deductible is met.
Visit Limits
Some plans limit the number of physical therapy visits covered during a calendar year or benefit period.
Referral or Authorization
Certain plans may require a physician referral, prior authorization, or approval after a specified number of visits.
We can help verify the benefits reported by your insurer, but verification is not a guarantee of payment. Final coverage and claim decisions are made by your insurance company.
Frequently Asked Questions
-
In North Carolina, patients can generally begin physical therapy without a physician referral. However, some insurance plans may require a referral or authorization for coverage. Contact us and we can help determine what your plan requires.
-
Yes. We can review the benefit information provided by your insurance company and explain the available estimate before treatment. Verification is not a guarantee of payment, and final claim decisions are made by the insurance company.
-
Your responsibility may depend on your copay, deductible, coinsurance, visit limits, and whether authorization is required. Because every plan is different, we recommend verifying your individual benefits before your first appointment.
-
We will review the available claim information and correct billing errors when appropriate. Patients remain responsible for services not paid by insurance according to the terms of their plan and Oak City Physical Therapy’s financial policies.
-
Yes. Self-pay appointments are available. Let us know when scheduling so we can explain the available options and pricing.
-
Physical therapy services are commonly eligible healthcare expenses. Acceptance of a specific HSA or FSA card depends on the card issuer and payment processor.