We are pleased to serve you from two convenient locations. Discover our facilities and find out how we can assist you with your health needs.



Arnold Location:  Hybrid Clinic (Both insurance and direct pay options)

Edgewater Location:  Direct Pay Clinic 


We are credentialed with Medicare and BlueCross BlueShield, which allows us to directly bill the insurance company.

We are in network with Medicare, but are in a category that Medicare terms “non-participating”.  This means that we will continue to submit your claims for you in order to get reimbursed by Medicare and your secondary (if you have one), but you will owe the cost of each session upfront.  Medicare will then reimburse you after each session is submitted. 


Other than Medicare and BCBS, we are a direct pay (out-of-network), meaning that we do not have any direct contracts with the other big private insurance corporations. However, in most cases Out of Network reimburse just as well as those that are in-network. We will do the backend work and submit your superbills for you for reimbursement for Physical Therapy just like that of an in-network practice

This is the case at our newest location in Edgewater.  We are not in-network with any major insurance companies, but we will submit the necessary documentation to your insurance provider for out of network reimbursement. In this manor we are not governed by a third party that has not even seen or felt what your ailment or pain is that brings you to physical therapy. Rather, we are the boots on the ground quarterbacks who will aid you in achieving your rehabilitation goals based on what we physically see and find during your initial evaluation session with us.

All of our doctors make decisions based on what is best for the patients who come to see them. They are not limited to what an insurance company says that they can or cannot treat / can or cannot bill for. And therefore we are not limited to the areas of the body that can be addressed with Physical Therapy.  We are committed to providing the highest possible care for each individual patient and this gives us the best opportunity to do so for you. 

Insurance companies begin providing coverage once your deductible has been paid. Physical Therapy visits typically cost between $140-$250 even after paying your copay. Healthy individuals that rarely use the medical system or their health insurance plan will find that direct pay Physical Therapy ultimately saves them money and gets them a much higher quality of service.

Eliminating the insurance company can save money and give power back to the patient by allowing them to be treated as a whole rather than body part by body part.

Insurance companies often view many performance-based services as “not medically necessary” and therefore will not provide coverage. Many of these “not medically necessary” services are crucial to getting individuals back to the level of performance that is required for their sport or activity of joy. These services bridge the gap between healthcare and long-lasting health/fitness by addressing the issues beyond getting patients back to the minimum baseline for physical therapy discharge.

Traditional in-network physical therapy clinics have appointment slots that average around 15-30 minutes and the one-on-one time with your doctor during that visit is typically less than half of each visit. Insurance companies have lowered the rate that they reimburse physical therapy services consistently, and continue to lower them each year. In order to combat this lowering of reimbursement, insurance-based Physical Therapy companies have had to take on a huge number of patient volume to the point where they are attempting to see multiple patients at the same time. When you spread your healthcare providers that thin, nobody wins. We have made the decision to not allow you to settle for subpar healthcare.

We aim to focus on our contract being with you, not insurance companies. We are committed to providing you with the highest-quality one-on-one care that is not dictated by an outside insurance company. We are transparent with our costs with the sole purpose of working to avoid getting a bill from us months later for something you thought was covered.  Our team here at Arpella appreciates you taking the time to understand our approach to offering you the Physical Therapy that you deserve.  As our wise mothers have always said, “Treat others the way you would ultimately like to be treated yourself”.  

Thank you for the trust that you place in the Arpella Team

We look forward to taking this journey with you each and every day to keep you feeling well with all that this great life has to offer!

Our Locations

From two convenient locations, Arpella Health is committed to providing accessible, top-quality care. Our Arnold office, perfectly situated for easy access via Route 2 Ritchie Highway, is now joined by our recently opened second office, expanding our ability to serve the community more effectively. Visit us at either location for personalized and expert health services.


Initial Evaluation*

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