Important Information

Billing and Insurance

Pay your PT Central bill online

We’ve made paying your bills a breeze. Just click the button below and follow the instructions to pay your PT Central bill.


If you’d like to speak with someone in our billing department directly, please give us a call at 405.809.8711 or email [email protected].

We’re taking the stress out of billing.

One of the most common questions we get asked is how billing works. To ensure you’ve got all the answers, we’ve provided the details below. Here’s how it works:

  1. If you have insurance, we’ll verify your benefits so that we know how much your copay is.
  2. We collect the copay at your visit and apply it directly to your account.
  3. We then submit a claim to your insurance provider to they are aware that you’ve come to see us. This process can take your insurance company around 45 days to process the claim.
  4. Once that’s complete, our friendly billing concierges review your processed claim, and let you know if a refund is coming your way. If there is a remaining balance, we let you know what it is so that you can pay it online.

Is the cost of physical therapy really worth it?

Decide for yourself—we’re talking through it a bit below, and we've got it broken it down even further for you in this blog post.

Wondering whether we accept your insurance?

At PT Central, we work with a number of insurance providers, including:

  • Blue Cross Blue Shield
  • United
  • Humana
  • Healthchoice
  • Workers’ Compensation
  • Medicare
  • Medicaid
  • Tricare
  • …and more

If you have any questions about your account or your insurance, feel free to contact the billing department here.

Not sure if physical therapy is what you need to manage your pain? We offer a free consultation at all of our locations. Call us to book one!

What if you have a High Deductible Health Plan?

New Year, new resolutions, and, unfortunately, a new (likely higher) deductible.

If you’re wanting to seek care but you’re worried about the cost and not sure how your health plan works, you’re not alone. Navigating the healthcare system can be stressful – financially, emotionally, and physically. But as we know, putting off care now leads to needing more care later… and spending more later, as well. This is especially true of musculoskeletal injuries and conditions. It’s a fact that getting the right PT early results in less imaging, medication, and surgery.

This year – let us help you get the care you need without breaking the bank. We’re well versed in High Deductible Health Plans and have a variety of options at our disposal to ensure that you’re not putting off feeling better due to cost concerns.

Here’s what you need to know:


A High Deductible Health Plan (HDHP) is an insurance plan that requires patients to pay a large amount of their healthcare costs out of pocket before their insurance kicks in to help lighten the load.  According to the IRS, in 2021, a health plan is considered an HDHP if….

  • The deductible is $1400 or more, for individuals
  • The deductible is $2800 or more, for families


At PT Central, we’re committed to providing our patients with the highest quality care, and that doesn’t just mean on the treatment table. We’re always searching for options to make physical therapy a reality for each and every one of our patients, regardless of their financial situation. Thus, we offer a variety of affordable payment and financing options, including:


PT Central has partnered with CareCredit to offer flexible payment plans for our patients. CareCredit provides convenient payment options so that you can get the treatment you want and need while paying for it over a period of time, often without incurring interest charges. It’s ideal for co-payments, deductibles, and treatments not covered by insurance. Search for your local clinic here and complete the CareCredit Application to find out what monthly payment options are available for you.


Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are a great option for those looking to use pre-tax dollars to pay for physical therapy.

Flexible Spending Accounts are set up through your employer and must be used by the end of each enrollment year. Health Savings Accounts allow you to spend money on qualified health expenses or medical costs not covered by your insurance.  There is no deadline for withdrawing funds from an HSA, and unlike FSAs, anyone can set one up. All plans are different – it’s best to contact your insurance provider for details on eligibility and benefits.


We accept a variety of health insurance plans for patients needing musculoskeletal care. We’ll work with you and your health plan to make the payment process as easy and hassle-free as possible. For more information or questions on coverage, please contact your insurance agent or give your local clinic a call.


PT Central’s therapists are specialists, not generalists, which means you get results in fewer visits, saving you time and money. In fact, care at PT Central costs 32% less than the national average.


Don’t delay or avoid physical therapy due to your high deductible plan. We can work with you no matter your financial situation and someone’s always available to talk. If you want to consider private pay, or other options, let’s discuss it! Our friendly, knowledgeable billing concierges can help – email us at [email protected]!