Insurance
District Physical Therapy is out-of-network with Cigna. Many Cigna plans include out-of-network benefits that cover a meaningful portion of PT visits — we verify your specific coverage before your first appointment and file claims directly on your behalf.
We focus on a small set of payers where the reimbursement rates and administrative requirements let us deliver one-on-one, doctorate-level care for a full hour. Cigna's network terms don't currently fit that model — but most Cigna patients can still see us using out-of-network benefits, often with similar out-of-pocket costs to an in-network practice.
Most Cigna PPO and Open Access plans cover out-of-network PT at 60–80% of an allowed amount, after the out-of-network deductible is met. We verify the specifics for your plan before your first visit and provide a Good Faith Estimate of your expected cost.
You don't have to deal with paperwork. We submit claims directly to Cigna, track the EOBs, and you pay only your share (typically the deductible amount remaining + coinsurance) at the time of service or once the claim processes.
Cigna HMO plans usually have no out-of-network coverage. Our self-pay rate is $150 per session with full one-on-one care from a Doctor of Physical Therapy — straightforward and includes all the same care our insurance patients receive. We can provide superbills for HSA / FSA reimbursement.
Call your nearest location or book online. We verify Cigna benefits within 24 hours of intake and give you a clear cost estimate before scheduling.
Yes, if your plan has out-of-network benefits. Most Cigna PPO and Open Access plans do. We verify before you commit to scheduling.
Varies by plan. Once your out-of-network deductible is met, you typically pay 20–40% of an allowed amount per visit. We provide an estimate up front.
No — we submit claims to Cigna directly. You pay only your share.
If your plan has out-of-network benefits and you submit a superbill we provide, often yes. We don't guarantee — it depends on plan terms.