Out-of-Network Physical Therapy in Cherry Hill, NJ

Out of network. On purpose. Every visit is a full hour with a Doctor of Physical Therapy, and we decide your plan of care with you, not an insurance company.

• 60 minutes, one-on-one: Every session is a full hour with a Doctor of Physical Therapy. Your time is never split between patients.
• No visit limits: No insurer caps your visits or discharges you because an authorization ran out.
• Set rates, quoted up front: The evaluation and the follow-up sessions each have a set rate. You hear the figure before you book, not after.
• Superbills, HSA and FSA: We provide superbills for out-of-network reimbursement, and we accept HSA and FSA.

What Out-of-Network Physical Therapy Actually Means

Out-of-network physical therapy means the clinic holds no contract with your insurance company. Rehabletics sets its own standard of care rather than accepting an insurer’s.

You pay the clinic directly. If your plan has out-of-network benefits, it may pay you back for part of what you spent. Many plans reimburse a portion, but every plan is different.

Here’s what matters for athletes. An in-network contract sets the rates, so it also shapes the care. Session length, visit count and which tests get approved all sit with the insurer. Out-of-network puts those decisions back with your physical therapist and you.

Why Rehabletics Is Out-of-Network

Rehabletics is out of network on purpose, because insurance contracts cap the three things that get athletes back to sport: time, testing and visit count.

A contracted rate has to cover a business. Clinics meet it by shortening sessions, adding patients per hour and handing part of your visit to an aide. Many patients are discharged around six weeks, not because they’re ready, but because the authorization ran out.

We took the other route. One athlete, one hour, one physical therapist.

How Pricing Works at Rehabletics

Pricing at Rehabletics is simple. The initial evaluation and the follow-up sessions each carry a set rate, with no hidden fees and no surprise bills.

We quote your figure before you book anything. We cover that on the Free Comeback Consult, and we will put it in writing if you ask.

Three things you can count on:

• One rate per visit. No per-modality add-ons show up on a bill afterward.
• The number comes first. You know what your evaluation and your sessions cost before you commit to either.
• HSA and FSA accepted. You can pay with your health savings or flexible spending account.

We don’t list rates on this page because the right figure depends on what you actually need. That might be an evaluation only, a short block of sessions, or a full return-to-sport plan. One phone call settles it, and it’s free.

How Out-of-Network Reimbursement Works

Out-of-network reimbursement works by paying the clinic first, then filing a claim with your plan using the superbill we give you. There are four steps, and we walk you through each one.

1. Check your out-of-network physical therapy benefits before your first visit. The six questions further down tell you exactly what to ask.
2. Pay the set rate at your visit, by card, HSA or FSA. You always know the amount in advance.
3. Submit your superbill to your insurance company. After each visit, we give you a superbill, the itemized receipt your plan needs to process an out-of-network claim.
4. Receive your plan’s payment directly from your insurer. Timing depends on your plan, not on us.

Your insurer sends an Explanation of Benefits, or EOB, showing what it allowed and what it paid. Many plans reimburse a portion. We can’t promise a number, but we’ll give you the paperwork.

Work Out What You Would Actually Pay

You can calculate your net cost per visit with three numbers from your plan and the rate we quote you. The formula is short.

Your net cost per visit = the session rate minus what your plan reimburses.

What your plan reimburses depends on two things. An out-of-network deductible is the amount you pay yourself each year before your plan reimburses anything for out-of-network care. Coinsurance is the share your plan pays once you meet that deductible.

Two Situations, and What Each One Means

Before you meet your deductible, your plan reimburses nothing, so your net cost is the full session rate. Every dollar still counts toward the deductible, which is why later visits in the same plan year often cost you less.

After you meet your deductible, your plan reimburses its coinsurance share of the allowed amount. If your plan pays 60 percent coinsurance, your share is roughly 40 percent of the allowed amount, plus anything the plan does not allow.

Fill In Your Own Numbers

Print this, or write it on the back of your insurance card. Bring it to your Free Comeback Consult.

Bring those numbers and we will run the math with you. No guessing, and nothing you find out after your first appointment.

Six Questions to Ask Your Insurance Company

Call the member services number on your card and ask these six questions. Write down the answers, along with the date and the representative’s name.

1. Ask whether your plan includes out-of-network outpatient physical therapy benefits.
2. Ask what your out-of-network deductible is, and how much of it you have already met this year.
3. Ask what your coinsurance percentage is for out-of-network physical therapy.
4. Ask whether your plan caps the number of physical therapy visits per year.
5. Ask whether your plan requires a physician referral or prescription to reimburse an out-of-network claim.
6. Ask how to submit a superbill for an out-of-network claim, and where to send it.

Those six answers plus our quoted rate give you your real cost. Most people get all six in one phone call.

Your Good Faith Estimate, in Writing

A Good Faith Estimate is a written estimate of what your care will cost, and you have the right to one. Under the federal No Surprises Act, uninsured patients or those paying out of pocket have the right to a Good Faith Estimate before treatment begins.

This is the fastest way to get a real figure from us. Ask on your Free Comeback Consult, or call anytime. We will put your expected cost in writing before you book a single appointment.

You Don’t Need a Referral to Start Physical Therapy in New Jersey

New Jersey law lets a licensed physical therapist evaluate and treat you without a referral from another provider. Call Rehabletics today and start this week.

Two things are worth separating here. State law does not require a referral to begin care. If you aren’t showing reasonable progress within 30 days, New Jersey law asks your physical therapist to refer you to a physician, but that’s a progress checkpoint, not a visit cap. Your insurance plan may still require a physician’s prescription to reimburse your out-of-network claim, which is question five on the list above.

Is Out-of-Network Physical Therapy Right for You?

Out-of-network care suits athletes who want time, testing and a plan built around their sport. We would rather help you decide now than after your evaluation.

Rehabletics is a good fit if you:

• Want a full hour with a Doctor of Physical Therapy every visit
• Have tried a short-session clinic and stalled before returning to sport
• Have out-of-network PPO benefits, an HSA or FSA, or prefer to pay a set rate directly
• Want to keep training through rehab instead of stopping everything
• Need return-to-sport clearance, not just pain relief

Another option may suit you better if you:

• Need a low fixed copay per visit to make care work for your budget
• Have a plan with no out-of-network benefits, such as some HMO plans, and no HSA or FSA to use
• Have symptoms that need a physician’s workup first, such as a suspected fracture or a new neurological change

Not sure where you fit? Call us anyway. We will give you an honest answer on the Free Comeback Consult and point you in the right direction.

What a Full Hour at Rehabletics Includes

A full hour buys assessment, treatment, and testing in the same visit. That combination is what a shorter, insurance-shaped session usually has to cut.

Rehabletics is led by Dr. Jaime Mor, PT, DPT, ATC, the clinic’s founder, and Dr. Erik Bonn, PT, DPT, MS, ATC. Both hold a Doctor of Physical Therapy degree and certification as Certified Athletic Trainers, or ATCs, a credential earned through the Board of Certification for Athletic Trainers.

Your hour can include:

• Force plate testing, which measures how much force each leg actually produces, so asymmetry shows up as a number rather than a guess
• Individual muscle strength testing to find the specific weak link behind a recurring injury
• Movement patterning assessment across the whole body, not only the painful joint
• Return-to-sport testing once you are far enough along to need clearance criteria
• Hands-on treatment, including manual therapy, soft tissue work or dry needling
• Recovery tools such as laser or PEMF therapy where they support the plan

Our Clinic Hours

• Mon–Fri: 7:00 AM – 7:00 PM
• Saturday: 8:00 AM – 12:00 PM
• Sunday: 9:00 AM – 12:30 PM

Early, late, and weekend appointments exist because school and season schedules do not bend.

End Note

Out-of-network care is a clear trade. You pay a set rate, and you get a full hour, a Doctor of Physical Therapy, testing that shows what is actually wrong, and no insurer deciding your last visit. For athletes trying to get back on the field rather than just out of pain, that trade is often worth it.

Start with the Free Comeback Consult. Bring your six insurance answers, and you will leave the call knowing what your recovery costs, how to use your HSA or FSA, and what your superbills can help you claim back.