Out-of-network physical therapy offers direct payment at the time of service, bypassing your health insurance. This ensures that you receive higher quality of care with more 1-on-1 attention and personalized treatment from your physical therapist. You have the flexibility to address multiple health and wellness concerns without insurance dictating the number of sessions you receive, how long you can receive physical therapy services, and what treatments they will reimburse. This approach often results in quicker recovery and lower long-term costs for you.

Cash-based physical therapy puts your needs first, not your insurance company’s rules. You get longer, one-on-one sessions with the same Doctor of Physical Therapy every visit, no treatment limits, and no surprise bills. Without the restrictions of insurance, we can focus entirely on your goals, use the techniques that work best for you, and often save you money.

Many insurance plans require you to pay the full, in-network rate for physical therapy until your deductible is met. For most in-network PT clinics, that rate is $300–$400 per session even if you have health insurance.

If you need 8 sessions, that could mean:

• In-Network: 8 × $350/session = $2,800 out of pocket (until deductible is met)

• Cash-Based at Nordic Performance (8-Session Package, 10% Off): $149/session → $1,072 total out of pocket

That’s a savings of over $1,700—and with us, every visit is a full 60 minutes of one-on-one care with the same Doctor of Physical Therapy, no insurance restrictions, and no surprise bills.

We accept various forms of payment including cash, credit cards, and debit cards.

You can also pay for services with your Health Savings Account (HSA) or Flexible Spending Account (FSA).

Yes! You are able to use your HSA or FSA funds to pay for treatment for yourself, your spouse, or your dependents.

While we do not bill insurance companies directly in order to provide you with the highest quality of care that we can, we can provide you with a detailed receipt or "superbill" that you can submit to your insurance company for potential reimbursement.

Our clinic does not have a relationship with Medicare, but we welcome Medicare patients for injury prevention, wellness, and fitness services. These services require out-of-pocket payment, and are not reimbursable through Medicare. Enjoy personalized, high-quality care tailored to your wellness and perfromance needs with flexible scheduling and extended session times. Contact us for details.

No, you do not need a referral to start physical therapy with us. You can book an appointment with us immediately. This allows for faster recovery, avoiding extra medical visits and costs, preventing chronic conditions and pain, and potentially reducing or eliminating the need for pain medications. That being said, we also accept referrals from your physician!

During your first visit, our physical therapist will conduct a thorough examination, discuss the findings of this examination, and initiate a customized treatment plan for your specific needs.

We understand that life happens, and emergencies and other scheduling conflicts are sometimes unavoidable. In order to be mindful to all of our clients, we respectfully ask that you notify us at least 24 hours in advance if you need to cancel your appointment. No cancellation fee will be applied in this matter.

If you cancel your appointment for any reason within 24 hours of your scheduled time, or you simply do not show up, a cancellation fee of 100% of the visit will be charged to you.

We are located in the heart of Duluth's Craft District. Our clinic space is housed inside of Northland Fitness where our clients have access to state-of-the-art equipment and facilities.