Why We Don’t Take Every Insurance And What That Means for Your Care

As one of the owners of Arizona Performance Institute, I get asked one question more than almost any other:

“Why don’t you take my insurance?”

It’s a fair question. And while it might sound like a business decision on the surface, the real reason goes much deeper, it’s about the kind of care we believe people deserve.

The Problem With Insurance-Driven Physical Therapy

The typical insurance model rewards volume, not outcomes. Therapists in high-volume clinics are often required to see 3–4 patients at the same time. Appointments get shorter, quality suffers, and the focus shifts from solving your problem to checking a box for reimbursement.

That’s not the kind of care we want to deliver.

At AZPI, we made the decision to not be in network with certain insurance providers such as United Healthcare, because the reimbursement rates simply didn’t allow us to provide the level of care we hold ourselves to.

What We Do Instead: One-on-One, Patient-First Care

Here’s what you can expect when you work with us:

One-on-one sessions with a licensed physical therapist every visit
No passing you off to an aide or tech
Movement-based, strength-forward treatment plans that drive real results

This model allows us to stay focused on you, not on what your insurance will or won’t pay for. And that’s where the breakthroughs happen.

What This Means for You Financially

We understand the concern: “If you’re out of network, is this going to cost me more?”

Here’s the truth: not necessarily.

In many cases, our patients pay less out-of-pocket in the long run because they:

Get better in fewer visits
Don’t waste time on passive treatments that don’t address the root cause
Work with a dedicated therapist who builds a customized plan from day one

We also provide superbills for you to submit for potential reimbursement, and we’re happy to help walk you through that process.

We’re Advocating for Something Better

This isn’t about being against insurance. It’s about being for a better way to deliver care. We’ve seen firsthand what’s possible when therapists aren’t limited by billing codes, time constraints, or corporate productivity quotas.

We choose to focus on:

Quality over quantity
Outcomes over volume
Relationships over reimbursement

And our patients feel the difference.

Still Have Questions?

We’re happy to talk through your specific situation, whether you're post-surgery, dealing with chronic pain, or just want to move and feel better. Our goal is always to help you get the best care possible even if that means pointing you in another direction.

Reach out to us here or give us a call to learn more about your options.

Your health isn’t a one-size-fits-all issue. Neither is your care. Let’s make it personal.

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