Out-of-network physical therapy offers direct payment at the time of service, bypassing your health insurance. This ensures that you receive higher quality of care with more 1-on-1 attention and personalized treatment from your physical therapist. You have the flexibility to address multiple health and wellness concerns without insurance dictating the number of sessions you receive, how long you can receive physical therapy services, and what treatments they will reimburse. This approach often results in quicker recovery and lower long-term costs for you.

Out-of-network physical therapy offers several benefits, including more one-on-one time with your physical therapist, specialized treatment that allows you to get better faster, no limit on the number of treatment sessions that you can receive, and no restraints on the type of treatments that can be provided. Clients that choose out-of-network physical therapy have better outcomes and typically pay less overall compared to a traditional, insurance-based physical therapy plan of care.

Imagine you need two months of physical therapy for a knee injury. You have a $1,600 insurance deductible with a $25 co-pay and 20% co-insurance.

With a cash-based physical therapy package at Nordic Performance, you would pay $109 per session for 8 sessions, totaling $872.

In the insurance-based model, a physical therapy session may cost $175 with a co-pay of $25 each visit. You would be responsible for $200 every session until your $1600 deductible is met (co-pays do not count toward your deductible). Once the deductible would be met, you are still responsible for 20% of the session cost through your co-insurance in addition to your $25 co-pay ($60 every visit). In this example, 8 sessions of physical therapy at an in-network clinic would cost you $1,600.

We accept various forms of payment including cash, credit cards, and debit cards.

You can also pay for services with your Health Savings Account (HSA) or Flexible Spending Account (FSA).

Yes! You are able to use your HSA or FSA funds to pay for treatment for yourself, your spouse, or your dependents.

While we do not bill insurance companies directly in order to provide you with the highest quality of care that we can, we can provide you with a detailed receipt or "superbill" that you can submit to your insurance company for potential reimbursement.

Our clinic does not have a relationship with Medicare, but we welcome Medicare patients for injury prevention, wellness, and fitness services. These services require out-of-pocket payment, and are not reimbursable through Medicare. Enjoy personalized, high-quality care tailored to your wellness and perfromance needs with flexible scheduling and extended session times. Contact us for details.

No, you do not need a referral to start physical therapy with us. You can book an appointment with us immediately. This allows for faster recovery, avoiding extra medical visits and costs, preventing chronic conditions and pain, and potentially reducing or eliminating the need for pain medications. That being said, we also accept referrals from your physician!

During your first visit, our physical therapist will conduct a thorough examination, discuss the findings of this examination, and initiate a customized treatment plan for your specific needs.

We understand that life happens, and emergencies and other scheduling conflicts are sometimes unavoidable. In order to be mindful to all of our clients, we respectfully ask that you notify us at least 24 hours in advance if you need to cancel your appointment. No cancellation fee will be applied in this matter.

If you cancel your appointment for any reason within 24 hours of your scheduled time, or you simply do not show up, a cancellation fee of 100% of the visit will be charged to you.

We are located in the heart of Duluth's Craft District. Our clinic space is housed inside of Northland Fitness where our clients have access to state-of-the-art equipment and facilities.