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True Cost Calculator | Pro+Kinetix Physical Therapy & Performance
Pro+Kinetix Cost Calculator

Is Out-of-Network Really More Expensive?

Plug in your insurance details below and see the real numbers. Most patients are surprised by what they find.

Before You Commit to Anything

The Questions Most People Never Think to Ask

Plug in your insurance details below and see the real numbers. Most patients are surprised by what they find.

📋

Ask Your Insurance Rep

Call the member services number on the back of your card
Important questions to ask
1"Will performance-based rehab like getting back to running, lifting weights, working out, etc. be covered?"
2"What percentage of my bill will I be responsible for until I hit my deductible for in-network care?"
3"If I have hit my deductible, what is the co-pay amount that I will pay each session?"
4"Can you guarantee I won't get a surprise bill?"
To fill out the cost calculator below 👇
5"What is my in-network deductible for the year?"
6"What is my out-of-network deductible for the year?"
7"How much have I already paid toward my deductible this year?"
8"What is my in-network co-pay per physical therapy visit once my deductible is met?"
9"What percentage does my plan pay for out-of-network physical therapy after my deductible is met?"
🏥

Ask Any Clinic That "Takes Insurance"

Don't assume — get straight answers before your first visit
1"Will I work 1-on-1 with a Doctor of Physical Therapy for the full session, or will I also work with aides or assistants?"
2"How much time will I spend directly 1-on-1 with a Doctor of Physical Therapy?"
3"Will I see the same PT each visit?"
4"Will my insurance continue covering care until I reach my fitness and performance goals, or does it stop once I'm no longer in pain?"
5"Have patients ever been discharged before they met their fitness-related goals — such as return to sport, running, or working out pain-free — due to insurance no longer reimbursing?"

Then plug your numbers into the calculator below to see what you'll actually pay. 👇

Step 1

Enter Your Insurance Details

Use the numbers from your insurance card or benefits summary. We've pre-filled national averages to get you started.

Your Insurance Info
Traditional In-Network Clinic
Pro+Kinetix (Out-of-Network)
Step 2

See Your True Cost

Here's what you'd actually pay out of pocket over your full course of care.

Traditional In-Network PT

High volume · 15-20 min sessions
Total Visits30
Gross Cost$3,000
Remaining Deductible$2,000
Co-Pays After Deductible$750
Total Commute Time15 hrs
Work Time Missed30 hrs
Your Out-of-Pocket$2,750

Pro+Kinetix

1-on-1 · Full hour · Doctor of PT
Total Visits10
Gross Cost$2,500
Remaining Deductible$4,000
Insurance Reimbursement$0
Total Commute Time5 hrs
Work Time Missed10 hrs
Your Out-of-Pocket$2,500
Commute Time Saved
10 hrs
That’s time back with your family, at the gym, or doing the activities you love.
Less Time Off Work
20 hrs
Fewer visits means fewer half-days off, less PTO burned, and less disruption to your schedule.
With Pro+Kinetix, you'd save $350 ...while getting 1-on-1 care with a Doctor of Physical Therapy for a full hour, every session.
Beyond the Dollar

What You Actually Get

Cost is only part of the story. Here's what each model delivers.

Features
Pro+Kinetix
Traditional PT
1-On-1 Care
✓
Maybe
Time With Your PT Per Session
1 Hour
~15-20 Min
Same Physical Therapist Every Visit
✓
Maybe
100% Care By Doctors of PT
✓
✗
Clinic Visits Per Week
1x
2-3x
Sports Specialized Therapists
✓
Maybe
Same-Day Access to Your PT
✓
✗
Full Body & Wholistic Approach
✓
✗
Unlimited Number of Sessions
✓
✗
Access to S&C Gym
✓
✗
Cost Transparency
✓
✗
Money-Back Satisfaction Guarantee
✓
✗

Real Patients, Real Results

Don't Just Take Our Word For It

Hear from patients who were on the fence about out-of-network care and are glad they made the switch.

“

I first reached out to Pro+Kinetix about 6 months before I actually came in. I was hesitant about the out-of-network thing and figured I'd save money going to an in-network clinic instead. Four months and 20+ visits later I had barely improved and had spent way more than I would have here. I used to think all physical therapy was the same. It's not. Not even close. My only regret is not starting here sooner.

M
Michael R.
Shoulder & Neck Pain
★★★★★
“

I'll be honest, I almost didn't come because they were out of network. I went to an in-network place first and spent 4 months going 3x a week doing the same exercises on a bike with a tech while my PT bounced between patients. When I finally tried Pro+Kinetix I couldn't believe the difference. A full hour, one-on-one, with a Doctor of PT who actually listened. I got more done in one session here than a month at the other place. Just try one session. You won't regret it.

S
Sarah K.
Chronic Back Pain
★★★★★
“

I wasted half a year being nervous about going out of network. Finally went to an in-network clinic, did 4 months of the same cookie-cutter routine 2-3x a week, and barely improved. Between my deductible and copays I spent more there than my entire plan of care at Pro+Kinetix ended up costing. Not all PT is the same. This place is proof. If you're on the fence, just book one session and see for yourself. That's all it took for me.

D
David L.
Hip Flexor Injury
★★★★★

500+ five-star reviews on Google & Yelp

“

At the end of the day, the most expensive option is the one that doesn’t work.

Ready to Experience the Difference?

Better care. Fewer visits. Often less money. Let's get you back to doing what you love.

Request an Appointment

Important Disclaimer

This calculator is intended for educational purposes only and does not guarantee any specific cost or reimbursement amount. Insurance is complicated, every plan is different and coverage details vary widely between providers, plan types, and individual policies. The estimates above are only as accurate as the information entered, and even the information provided by your insurance company isn’t always accurate or complete. Out-of-network reimbursement rates, deductible structures, and coverage terms can change at any time. We strongly encourage you to verify your specific benefits directly with your insurance provider before making any healthcare decisions. Pro+Kinetix is happy to help you navigate this process.

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