Paying for Care
Why We Don’t Take Insurance
And Why That’s a Win for You!
Imagine this: You’re working one-on-one with a physical therapist who knows exactly what you need to heal. They’ve identified the right path forward—specific manual therapy techniques, hands-on treatment, strength training, and mobility work tailored to your injury and goals.
But there’s a problem…
Your insurance company won’t pay for it.
Instead, they’ll only reimburse for treatments that check their boxes—not what’s actually best for you.
Even if your PT knows you need a certain type of care, their hands are tied. If they don’t follow the insurance company’s rigid playbook, your treatment gets denied. The result? Your recovery is dictated by a spreadsheet.
“I was constantly frustrated working in an insurance setting for
physical therapy. I'd build a plan that was perfect for my patient, only
to have insurance say they wouldn’t cover it. So, we’d be forced to
water it down or worse, do something that I knew wasn’t going to
help, just to get reimbursed.”
— Dr. Edwin Serrano, Founder
This isn't care. It’s compliance.
But it gets worse.
We Chose to Do the Right Thing—For You
At Positive Action Rehab & Performance, we’ve intentionally opted out of insurance networks so we can provide care based on what’s right, not what’s reimbursed.
That means:
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One-on-one, 60-minute sessions with your Doctor of Physical Therapy
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Custom treatment plans built around your injury, sport, and goals
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No rushing, no middlemen, no distractions—just results
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Fewer visits, faster progress, and longer-lasting outcomes
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Focus on long-term strength, not just short-term relief
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Support you beyond the clinic—with 24/7 access to your PT
We don’t let insurance call the shots. You and your recovery do.
We’re proud to offer out-of-network care with full transparency and world-class results. Many of our patients even qualify for partial reimbursement—and we help make that process simple (see our Reimbursify section).
Because at the end of the day, we believe your recovery shouldn’t be up for negotiation. You deserve better—and now you have it.
But What If I Do Have Insurance?
Get Reimbursed Easily with Reimbursify
Many of our patients receive 20% to 90% back from their insurance with out-of-network benefits. We’ve partnered with Reimbursify to streamline the reimbursement process for your physical therapy care in San Antonio.
✔️ Easy claim submissions in minutes
✔️ No paperwork or insurance headaches
✔️ Fast reimbursements directly to you
Use Your HSA or FSA for Physical Therapy
We proudly accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)—smart, tax-free ways to pay for your physical therapy care.
🔔 FSA Reminder: Don’t let your money go to waste—FSA funds expire at the end of the year, so use them before you lose them!
Whether you're recovering from injury, training for an event, or preventing future pain, your HSA/FSA can be used to cover your one-on-one sessions at Positive Action Rehab & Performance in San Antonio.
Flexible Financing with CareCredit – 6 Months Interest-Free
We accept CareCredit, the trusted healthcare credit card, offering 6 months interest-free on qualifying balances. It’s a great option if you want to start treatment now and pay over time—without financial stress.
💡 Quick approval process
💡 Spread out payments over time
💡 No interest if paid in full within 6 months
Apply online or ask our front desk for help getting started!
We Work with You: Interest-Free Payment Plans
At Positive Action, we believe everyone deserves access to elite physical therapy. That’s why we offer in-house, interest-free payment plans tailored to your needs. Whether you’re facing a financial challenge or simply want to spread out costs, we’ll work with you to make care accessible and stress-free.
Let us know your situation—we’re here to help you heal without the hassle.
Here’s What You Get When Insurance Doesn’t Run the Show
Feature | Insurance PT | Positive Action Rehab |
|---|---|---|
Recovery Time | Slow & generi | Fast, customized, lasting |
Therapist Attention | Divided across patients | 100% focused on you |
Goal | Pain relief | Pain relief, strength, prevention & results |
Treatment Plan | Based on billing codes | Based on your actual needs |
Session Length | 15–30 min shared time | 60 minutes 1-on-1 |
