Choice Therapy remains committed to our patients, employees, and our communities during this uncertain time. The Department of Homeland Security has deemed Physical, Occupational, and Speech Therapists as ESSENTIAL health care workers allowing us to remain open. We will continue to provide service for healthy patients in an environment away from individuals showing signs of this illness. We will continue to follow CDC guidelines regarding sanitation, hygiene, and social distancing. We also realize that some people may prefer to stay home. We are offering home therapy visits and also a new treatment method called telehealth, where we provide instruction over a phone or computer right inside your home. Having therapy to address your pain and function can help keep you OUT of the hospital and the ER, allowing their staff to focus on patients that are seriously ill. Please, call our clinics directly with any questions you may have or call 1-800-395-2810. Updates on COVID-19 can be found at the CDC website.


Insurance/Payment Info

Financial Tips

Choice Therapy wants you to understand your insurance and the financial implications of treatment.  Keep in mind that each policy for each insurance company is different, so please call your insurance company to find out the following details:

  • Does your insurance cover PT/OT/Speech?
  • Do you need a physician referral for treatment?
  • Is Choice Therapy an in-network or out-of-network provider for your insurance policy?
  • What is the dollar amount of each of the following?

Co-Pay: _________This is the dollar amount you will pay each visit (Due at the time of visit)

Deductible: _________ This is the amount you pay before insurance pays anything in a calendar year.  This is usually per person with a maximum out of pocket per family per year.

Co-insurance: _________  This is the percent you will pay after insurance has paid the allowable amount for services. This is different for each insurance company and each insurance policy.

What is Same Day Pay and When would this Option Benefit You?

Same Day Pay is an option for all patients, except those with Medical Assistance, Medicare or Medicare replacement plans as this is not allowed by the state and federal governments.   Same Day Pay allows you to pay for your services directly at the time you arrive for your appointment(s). 

What is the cost for Same Day Pay?

  • $110 for initial visit
  • $85 for each additional visit

When may Same Day Pay be a better option?

  • If you have a high deductible that has not been met in the calendar year.
  • If you do not have insurance. 

If you have questions after reading this information, contact our billing specialists at 218-444-5279.


    Your health insurance provider usually covers Physical Occupational and Speech Therapy services. Several insurance plans have either a deductible or copay. It is best to check with your insurance provider regarding coverage and limitations to rehab services. We also provide several payment options to you, including same day pay and credit card payments. Give us a call and we will discuss the best options for you.


    Because we are independent and locally owned, Choice Therapy accepts all insurance companies. Your health insurance provider usually covers physical, occupational and speech therapy services. Several insurance plans have either a deductible or copay. Some insurance companies do require a referral to qualify for their particular insurance plan. It is best to check with your insurance provider regarding coverage and limitations to rehab services; or our staff will gladly assist you with this question.


    The ability of a person to see a therapist without a physician’s referral.

    A physical therapist is able to evaluate and treat a patient for up to 60 days without a referral.  Keep in mind deductibles, co-pays and other health care costs your insurance company require, would still apply. It is recommended to contact your insurance company regarding “Direct Access”; or our staff will gladly assist you with this question. Simply contact our clinic and we will set up an evaluation with a physical therapist.


    We accept all major credit cards for payments including same day pay, co-pays, and deductibles.


    As our health care system changes, many of us are opting for high deductible plans or no insurance coverages at all. Choice Therapy offers same day pay option for people with this type of scenario giving you the power to see a therapist, the freedom to set the proper visit limits with your therapist and pay a flat rate each session without billing your insurance company. Please contact our clinic for full details on payment options.