Will my insurance cover this?
Most PPO plans reimburse 50–80% of out-of-network physical therapy after your deductible. Use the calculator below to get a ballpark for your specific plan.
How reimbursement actually works
1. You pay at service
You pay Vital Flow at the time of your session using a credit card, HSA, or FSA card.
2. We create a superbill
We generate a detailed medical receipt (superbill) automatically via Reimbursify, or provide it to you manually.
3. You get reimbursed
You submit it to your insurance, and they reimburse you directly based on your out-of-network benefits.
Why we're cash-based
Being out-of-network isn't about charging more. It's about spending more time with you. In-network contracts pressure clinics into 15-minute visits with three patients at once — not because clinicians want that, but because reimbursement rates force it.
By stepping outside that system, Vital Flow can offer 60-minute one-on-one care, direct access to your PT between sessions, and a recovery that's typically half the length. Most patients find the total cost comparable once you factor in fewer visits and partial reimbursement.
Vital Flow sessions are fully HSA and FSA eligible. We accept HSA/FSA cards directly and can provide documentation for reimbursement from your administrator.
Common questions about insurance.
Ready when you are
Start with a free 15-minute call.
Talk directly with Dr. Mulji about what's going on. No pressure, no intake forms.