Payment Options

Commercial Insurance

At No Limit Physical Therapy, we are committed to delivering exceptional care while helping you navigate the often complex world of health insurance. Our knowledgeable team is experienced in working with a wide range of insurance providers to help you access the benefits you’re entitled to.

To ensure a smooth experience, we recommend calling us in advance to verify your coverage. Our staff will help determine whether your treatment will involve any out-of-pocket costs such as a deductible, coinsurance, or other charges.

We proudly accept Original Medicare Part B and collaborate with leading insurance carriers to meet the diverse needs of our patients. This includes:

Original Medicare Part B (not Medicare Advantage plans) + ANY Supplemental Insurance

At our Bay Ho, San Diego and Alpine, CA locations, we’re here to make your therapy process as easy and stress-free as possible. We’ll work directly with your insurance provider to coordinate your benefits so you can focus on what matters most—your recovery and well-being.

Have questions about your plan or want to confirm coverage?

Call us today at (858) 769-6069 to verify your insurance or inquire about our service rates and payment options!

Prioritizing Patient Needs: Cash-Based Physical Therapy at No Limit Physical Therapy

At No Limit Physical Therapy, we offer a cash-based physical therapy model, where patients pay directly for services rather than relying on insurance reimbursement. This approach allows us to provide more personalized, efficient, and transparent care.

Here’s why we’ve adopted this model:

Stronger Patient-Therapist Relationship
By removing insurance restrictions, you and your therapist can fully focus on your recovery—without delays or denials from third-party payers. Your care is driven by your progress, not insurance guidelines.

Greater Control Over Treatment
Our therapists have the freedom to recommend the type and frequency of care that best fits your needs—not what an insurance company decides is “medically necessary.” This results in more effective, patient-centered treatment.

Simplified Billing Process
Without insurance paperwork, claim rejections, or administrative delays, the billing process becomes easier and faster—for both patients and providers. That means more time spent on your healing and less on forms.

Upfront Price Transparency
You’ll know the exact cost of your treatment before you begin. No hidden fees or surprise bills—just clear, predictable pricing so you can plan with confidence.

Lower Overall Costs
Because pricing isn’t inflated to meet insurance reimbursement standards, cash-based therapy often costs less overall. In fact, studies show that patients typically require fewer visits, resulting in significant savings over time.

We understand that cash-based care may not be ideal for everyone. That’s why we continue to offer insurance-based services to meet your preferences and needs.

As with any healthcare decision, it’s important to weigh your options based on your goals, insurance benefits, and financial situation.

Call us today at (858) 769-6069 to learn more about our payment options.
We’re here to help you choose the best path to recovery—whether through insurance or our flexible cash-based model.