In order for me to provide the highest quality one-on-one care that I can, Divergent does not directly accept any insurance. It is a cash-based practice and is considered out-of-network for self-claims with private insurance. This allows me to put the focus on YOU and prioritize YOUR needs and goals. You have faster access to care and more specialized treatments that you need to succeed. If you have a high-deductible insurance plan, it may actually be cheaper to use a provider like Divergent Sports Medicine.

How is that? As a result of increasing deductibles and PT copays, many patients who have high copays or have not yet met their deductible may end up spending less money out of pocket for our treatments compared to an in-network provider.​ Furthermore, as a result of progressively lower and lower reimbursements for in-network practices, the therapists in these clinics are more likely to have to see 2 or more patients every hour and they often use assistants or aides in their treatment structures. This may lead to the use of more passive treatment techniques and modalities which the patient can often do on their own time at home or the gym.

At Divergent, I believe the hands-on approach and undivided attention for hour-long sessions leads to better outcomes and an improved rehabilitation experience. Invoices/superbills are provided for every visit for you to send self-claims to your insurance company if you choose.

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Please inquire with your insurance company about your out-of-network benefits and other requirements before treatment. Some insurance plans, like an HMO, may still require a physician referral in order to receive PT treatment. If you are planning to submit for reimbursement from your insurance company, you can find a helpful handout for the questions to ask your insurance company attached below.

No! Illinois has "direct access" for physical therapy services. This means that in most cases, you do not need a physician referral prior to receiving PT treatment. If you will be seeking reimbursement, some insurance companies still do require a referral, so please check with your health plan provider.

I accept cash, check, and Zelle as payment options currently. Divergent is a fee-for-service provider with payment due at the time of your appointments. At this time, I am not set up to take card payments.

At your initial evaluation, we will start by talking about you and your story in order to discover what your goals are and where you want to be. I will perform a comprehensive assessment of your concern(s) to explore the root cause of the issue and create an individualized treatment program. Treatment will be provided with our remaining time and any questions or concerns you still may have will be attended to. Please wear comfortable clothing that allows you to move freely.

I understand that life gets in the way. If you need to cancel or re-schedule, I ask that you please give me at least 24 hours-notice. Cancellation within 24 hours of your appointment will result in a reminder the first time and a full session charge after the 1st reminder.

1. Request your superbill/invoices from Divergent. They can also be accessed through your patient portal.

2. Complete a claim form from your insurance provider. These forms can often be found on the company's website.

3. Keep a copy of your claim for your own records.

4. Review claim form to ensure everything is correct and send it in.

5. Wait. If claim has not been processed in timeframe given by insurance company, give them a call.

Many insurance companies offer an online portal or app to their patients that make filing a self-claim quick and easy!