Insurance & Payment
Complex is an out-of-network provider. We don't bill insurance directly—instead we give you a superbill after every session so you can submit for reimbursement. This model lets us deliver longer, fully one-on-one sessions without the restrictions insurance companies impose.
Out-of-Network Provider
No insurance limitations on your care
Superbills Provided
Detailed receipts for easy reimbursement
Many Plans Reimburse
Check your out-of-network benefits
Common Questions
Everything you need to know about insurance and payment at Complex.
We are an out-of-network provider, which means we don’t bill insurance directly. However, we provide everything you need—a superbill—to submit for reimbursement if your plan includes out-of-network benefits. This allows us to focus fully on you, offering longer, one-on-one sessions and highly individualized care without the limitations often required by insurance companies.
Why We're Out-of-Network
We made a deliberate choice. When a clinic contracts with insurance companies, the payer often dictates session length, visit frequency, and which techniques are approved. We chose to stay out-of-network so every clinical decision is between you and your therapist—nothing else. The result is longer sessions, better outcomes, and a direct relationship built on your goals.
Your Therapist, the Entire Time
Every minute of your session is spent one-on-one with a licensed Doctor of Physical Therapy.
Goals-First Treatment Plans
Your plan is built around what you want to achieve, not what a payer approves.
No Arbitrary Limits
We treat until you’re better—no visit caps, no rushed 20-minute slots.
How It Compares
See how a typical in-network clinic, our out-of-network model, and self-pay stack up.
Swipe to compare →
| Typical In-Network PT | Complex (Out-of-Network) | Self-Pay (No Filing) | |
|---|---|---|---|
| How you pay | Copay or coinsurance at each visit | Pay at visit; submit superbill for reimbursement | Pay at visit; no insurance filing |
| Session format | Often shared with other patients or delegated to aides | Always 1-on-1 with a licensed Doctor of Physical Therapy | Always 1-on-1 with a licensed Doctor of Physical Therapy |
| Session length | Typically 30–40 minutes | 60-minute sessions, fully dedicated to you | 60-minute sessions, fully dedicated to you |
| Clinical decisions | May require prior authorization; plan can limit frequency or techniques | Your therapist decides what’s best—no insurer approval needed | Your therapist decides what’s best—no insurer approval needed |
| Visit limits | Often capped by plan (e.g. 20–30 visits/year) | No caps—continue care as long as you need it | No caps—continue care as long as you need it |
| Reimbursement | Handled by the clinic; you pay your share | You may recover a significant portion via OON benefits | N/A—you choose not to file |
In-network descriptions reflect common industry patterns and may vary by clinic and plan. Self-pay clients who later discover OON benefits can still request superbills.
Questions to Ask Your Insurer
Call the member services number on the back of your insurance card and ask:
- 1“Do I have out-of-network benefits for physical therapy?”
- 2“What is my out-of-network deductible, and has it been met?”
- 3“What percentage of out-of-network physical therapy visits do you reimburse?”
- 4“Is there a limit on the number of reimbursable visits per year?”
These answers will give you a clear picture of what reimbursement to expect.
Ready to Get Started?
Book a free 15-minute consultation. We'll answer your insurance questions and build a plan around your goals.