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Focused on you — not insurers

Transparent, cash-based care designed around your health & wellness goals.

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Why we’re a cash-based clinic

Before we purchased Embody Health and Performance—which operated for years under a traditional insurance-based model—we spent years practicing in fully cash-based settings. So we’ve seen both sides, and we’ve come to one unshakable conclusion:

The insurance system does not prioritize your health.

It prioritizes billing codes, productivity quotas, and profits. We’ve experienced firsthand how insurance companies interfere with care decisions, restrict the time we spend with patients, and dictate what treatments are “allowed.” It doesn’t just limit the provider—it shortchanges the person in front of us. You.

So we made a different choice.

At Embody, we practice outside the insurance model so we can put your care—not your coverage—at the center of everything.

That means:

What matters to you is what guides us. We’re not reimbursed for ice packs or red tape. We don’t push you through protocols. Our priority is progress you can feel—and sustain.

Higher quality care. You get 60 full minutes of 1:1 care with your provider, every time. No hand-offs to aides or techs. No cookie-cutter exercise sheets. Just focused, personalized care from someone who knows you.

You’re in control. You choose your provider, your frequency, your goals. You get to make decisions based on what’s best for you—not what a billing department approves.

You can ultimately save money. Many patients pay less with us than they do at in-network clinics—especially if they haven’t met their deductible or have high copays. And because we get to the root faster, you often need fewer visits overall.

We believe your health should be driven by what’s best for your body—not by insurance company spreadsheets. If you want efficient, personalized care that puts you in the driver’s seat, you’re in the right place.

Have more questions? Look here.

Frequently Asked Questions

Why don’t you bill insurance (except Medicare)—and could this actually save me money?

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We’re out-of-network by design. Why? Because traditional, insurance-driven models make it nearly impossible to deliver the level of care we stand behind.

In-network clinics are under pressure to see multiple patients per hour. That means more time with techs and assistants, more passive treatments like heat packs or stim, and less time with your actual provider. You’re often asked to come in 2–3 times per week—sometimes for months—and billed hundreds of dollars per visit that may not even count fully toward your deductible. At Embody, we’ve built something different.

Here’s what that means for you:

✓ Higher Quality of Care
Every visit is a full hour, one-on-one, with a licensed provider. No bouncing between rooms, no cookie-cutter protocols, no wasted time. We focus on hands-on treatment and root-cause resolution—so you see progress sooner.

✓ Matters to You is What Guides Us
We don’t make more money by keeping you on the schedule forever. We aim for lasting results in fewer visits. Most of our patients see us just once a week, and many get better in 3–6 sessions.

✓ You’re In Control
You don’t need a referral to get started (unless you have Medicare), and no one but you and your provider decides your plan of care. That means faster access and more personalized support.

✓ You Can Actually Save Money
When you factor in rising deductibles, high copays, and the frequency of traditional PT visits, many patients pay more out-of-pocket at clinics that “take insurance.” At Embody, we’ll always tell you your real cost up front—and provide superbills if you want to seek reimbursement from your insurance company.

Bottom line? We’ve removed the red tape so you can focus on getting well—not just “covered.”

One exception: Medicare requires us to bill directly and follow their guidelines, so if you're a Medicare recipient, we’ve got you covered within those parameters.

Still unsure? Call us. We’ll walk you through your options and help you make the best decision for your health and your budget.

Can I bill my insurance for reimbursement of out-of-pocket costs?

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Yes—most non-Medicare patients can submit a self-claim to their insurance for potential reimbursement. We’ll provide you with the documentation you need, including a superbill with treatment codes and receipts. You’ll simply send those in along with a claim form, which can usually be found on your insurance company’s website.

Reimbursement varies by plan.

Call your insurance provider and ask specifically about coverage for “out-of-network physical therapy” submitted via self-claims. They can let you know how it will apply to your deductible or if reimbursement is available.

Do I need a referral to see a physical therapist at Embody?

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Not usually. Minnesota is a direct access state, which means you can book an appointment with us directly—no referral needed if you're paying out of pocket.

If you have Medicare, a referral is required by Medicare guidelines.

If you're submitting for insurance reimbursement, it’s a good idea to check your plan—some do require a referral for out-of-network claims.

At Embody, we’re happy to help you navigate the details so you can get the care you need without unnecessary delays.

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