Surf and Shore PT is an Out-of-Network clinic due to our treatment philosophy. We believe in providing the highest standard of care which involves one-on-one treatments with a Doctor of Physical Therapy and no over site and treatment limitations by insurance companies that are throwing darts at a board to decide number of treatment sessions you need not based off of Physical Therapist or Physician recommendations unless they are payed by the insurance companies. Typical insurance Physical Therapy clinics are seeing 3 or more patients an hour per PT in order to make a profit due to the limited reimbursement and high insurance co-payments.