Insurance and Cash Pay
Use Your Benefits or Choose Cash Pay
Fulcrum offers straightforward cash pay and works with eligible out of network benefits from many major insurance plans. If you use your benefits, we submit your superbills on your behalf so you do not have to manage the claim paperwork.
How It Works
Choose simple cash pay or use eligible out of network reimbursement. We handle superbill submission for you, and you know what to expect before your first visit.
Schedule your visit
Call us or request an appointment online. You can usually start with an evaluation without a referral.
Receive your full session
60 minutes, one-on-one with Dr. Eid, every time.
Pay at your visit
Choose cash pay, credit, debit, HSA, or FSA.
We submit your superbill
We submit the claim to your insurer on your behalf, so you do not have to manage the paperwork.
Why This Model?
Most physical therapy clinics see 4 to 5 patients per hour to meet insurance reimbursement requirements. We see one.
Every session is 60 minutes with one doctor and one patient. There are no aides, no handoffs, and no watching the clock. That is only possible outside the insurance volume model.
Without insurance restrictions, Dr. Eid is free to spend the time your case actually requires, use the techniques that work best for you, and adjust your plan visit by visit.
60-minute sessions, every visit, with no exceptions
Always Dr. Eid, never an aide or technician
Coverage questions can be discussed before starting care
An individualized plan, not a preset visit package
Treatment tailored to you, not to billing codes
The Real Cost Comparison
Your total cost depends on your plan, deductible, visit frequency and any out-of-network reimbursement. Compare the actual benefits in your policy rather than assuming one model always costs less.
| In-Network Care | Fulcrum Physical Therapy | |
|---|---|---|
| Time with your therapist | Ask the clinic | 60 minutes, one-on-one |
| Who treats you | Ask about staffing and handoffs | Dr. Eid |
| Deductible | Depends on your plan | OON deductible may apply to reimbursement |
| Payment and reimbursement | Copay or coinsurance varies | Cash-pay rates; reimbursement not guaranteed |
| Prior authorization | Depends on your plan | Check OON requirements with your insurer |
| Visit limits | Depends on your plan | Individualized care; benefit limits may apply |
Ask About Your Out-of-Network Benefits
For patients with eligible out of network benefits, Fulcrum submits superbills directly to the insurer on the patient's behalf. Reimbursement is based on the individual plan.
These insurer names do not mean Fulcrum participates in their networks. Benefits vary by the specific policy; contact your insurer and call us with questions.
Medicare Patients
Medicare Accepted Directly
Medicare is accepted directly at Fulcrum Physical Therapy. No superbill needed. We bill Medicare on your behalf, just like any in-network provider. If you're a Medicare beneficiary, you don't need to submit anything yourself.
Transparent cash-pay pricing
Know the cost before your visit.
Initial Evaluation
$175
60 minutes with Dr. Eid, including assessment and initial treatment.
Follow-Up Treatment
$125
60 minutes of individualized treatment, exercise and progression.
These are cash-pay rates. We bill Medicare directly for covered services; Medicare coverage and beneficiary cost-sharing follow your benefits. Out-of-network reimbursement is plan-dependent and not guaranteed.
Cash, HSA and FSA Accepted
Choose the Payment Option That Fits You
We accept cash, credit, debit, HSA and FSA cards. Account eligibility and insurance benefits vary. Medicare-covered services follow Medicare billing rules rather than optional cash-pay arrangements.
Not Sure What Your Plan Covers?
Call us before your first visit to discuss pricing and benefit questions. Your insurer can confirm your policy’s out-of-network requirements; benefit verification does not guarantee payment.
Call Us to Verify Your BenefitsNo pressure. No commitment. Just answers.
Frequently Asked Questions
Straight answers to the questions we hear most.
What is a superbill?
A superbill is a detailed receipt containing the medical codes your insurance company needs to process an out of network claim. We prepare and submit it to your insurer on your behalf after each visit.
Do I need a referral?
You can usually start with a physical therapy evaluation without a physician referral in Florida. Requirements for continued treatment and insurance coverage can differ; we can discuss what applies to your visit.
What if I have an HMO?
Many HMO plans do not include out-of-network benefits. Ask your insurer whether your specific plan covers out-of-network physical therapy and what requirements apply. Self-pay options are also available.
How do I submit my claim?
You do not need to submit it yourself. Fulcrum prepares and submits your superbill to your insurance company on your behalf. Reimbursement amounts and processing times depend on your individual plan.
How long until I get reimbursed?
Processing times depend on your insurer and plan. Contact your insurer for an estimate; reimbursement is not guaranteed.
What if my claim is denied?
We can help clarify the claim documentation, but your insurer makes the coverage decision. Ask about your out-of-network benefits before scheduling; a correctly submitted claim does not guarantee reimbursement.
Can I use my HSA or FSA card?
We accept HSA and FSA cards. Check your account rules and eligible-expense requirements, and retain your receipt.
Can I pay cash without using insurance?
Our cash-pay initial evaluation is $175 and follow-up treatment is $125. Medicare-covered services follow Medicare billing rules and beneficiary responsibility rather than these cash-pay rates. Contact us with payment questions before scheduling.
Why are you out-of-network?
Fulcrum's out-of-network model supports individualized, full 60-minute sessions with Dr. Eid. We plan visits around your clinical needs and activity goals. Medicare remains a directly billed exception.
Ready to Get Started?
Ask your insurer about your out-of-network physical therapy benefits. Call us with questions about payment or superbill documentation, or request an evaluation online.