Insurance, pricing, referrals, your first visit, and what treatment is actually like — we answer the questions patients ask most often before starting at TORQ.
No phone tree. No confusing runaround. If your question isn't answered here, call us at (856) 360-5630 and talk with a real person.
Insurance can be confusing. Our team verifies available benefits, explains the information provided by your plan, and gives you an estimate of your expected financial responsibility before treatment begins whenever possible. Benefit information is not a guarantee of payment, but we give you the clearest information available so you can make an informed decision.
TORQ is a participating provider with Original Medicare.
For most commercial insurance plans — including plans administered by Aetna, Blue Cross Blue Shield, Cigna, and other carriers — TORQ provides care as an out-of-network provider. We bill many commercial plans directly when out-of-network claims are permitted.
We do not currently submit claims directly to UnitedHealthcare, including out-of-network claims. Patients with UnitedHealthcare may use TORQ's self-pay option and may request a superbill to submit for possible reimbursement.
Because benefits vary by the specific plan — not only by the name of the insurance company — call us at (856) 360-5630. We will verify the available information for your plan before your first visit.
Out-of-network does not automatically mean that a service is uncovered. Some commercial plans include out-of-network benefits, while others — such as many HMO or EPO plans — may provide limited or no coverage outside their network.
When out-of-network benefits are available:
An out-of-network deductible may be separate from an in-network deductible. The amount credited toward either deductible depends on the specific plan and how the insurer processes the claim.
For some patients, the difference between in-network and out-of-network coverage is smaller than expected. For others, self-pay may be the more predictable option. We will help you compare the available information.
Clear benefits. Clear estimates. No financial guesswork when it can be avoided.
TORQ's one-on-one model requires enough time to evaluate thoroughly, treat intentionally, and adjust care according to the patient's response.
Remaining out-of-network with most commercial plans gives TORQ greater flexibility to preserve that model without relying on overlapping appointments, rushed visits, or a high-volume schedule.
It does not mean insurance has no role in care. Medical necessity, coverage rules, documentation requirements, and plan limitations may still apply. The difference is that TORQ has built its practice around individual attention rather than volume.
One patient. One clinician. One focused session.
Yes. Before your first visit, our team can contact your insurance company or use its eligibility system to review the benefit information available to us.
We will explain:
Insurance representatives sometimes provide incomplete or incorrect information, and final payment is determined only after a claim is processed. Benefit verification is therefore an estimate, not a guarantee of coverage or payment.
Know the estimate. Understand the options. Make the decision that works for you.
TORQ is in-network with Original Medicare for covered, medically necessary physical therapy.
Original Medicare Part B generally applies:
Your actual responsibility may be reduced by secondary insurance, Medigap, Medicaid, or another payer when applicable.
Medicare requires an appropriate plan of care and certification by an eligible physician or other qualified healthcare provider. TORQ helps coordinate the required documentation.
Call us with your Medicare and secondary insurance information so we can review the available coverage before your visit.
No. Medicare Advantage plans are administered by private insurance companies and use their own provider networks, benefits, authorizations, copayments, and referral rules.
A clinic can participate with Original Medicare without being in-network with every Medicare Advantage plan.
If your card lists a private insurer such as UnitedHealthcare, Aetna, Humana, Horizon, or another company, call us before scheduling. We will help identify whether you have Original Medicare with secondary coverage or a Medicare Advantage plan and explain the options available at TORQ.
Original Medicare and Medicare Advantage are not interchangeable. The card matters. The plan matters. The details matter.
TORQ can review secondary insurance information when Original Medicare is primary.
After Medicare processes a covered claim, the remaining deductible or coinsurance may be forwarded to the secondary insurer when electronic crossover is available. What the secondary plan pays depends on its coordination-of-benefits rules and the patient's specific coverage.
We will review the available information, but final payment is determined by the insurers after the claims are processed.
TORQ does not currently submit claims directly to UnitedHealthcare, including out-of-network claims.
This decision allows us to preserve the one-on-one care model and administrative structure on which TORQ was built.
Patients with UnitedHealthcare have two potential options:
Reimbursement is determined by the patient's plan and is not guaranteed.
Call us at (856) 360-5630 and we will explain the current options clearly.
Yes. TORQ's current self-pay pricing is:
Self-pay may be appropriate for someone who:
Self-pay does not mean less attention or a shortened appointment. You receive the same individualized, one-on-one approach.
One price. One focused visit. No surprise claim processing.
TORQ accepts HSA and FSA cards for eligible services.
Whether a particular physical therapy or wellness expense qualifies under your account is determined by the rules of your HSA or FSA administrator. Keep your receipt and contact the account administrator when documentation is requested.
TORQ accepts:
Starting physical therapy should not feel complicated. Here is what to know before your first visit.
Most patients in New Jersey can schedule a physical therapy evaluation without first obtaining a prescription or physician referral.
Insurance and payment requirements can still vary. Certain plans may require a referral, authorization, or healthcare-provider certification before they will cover treatment. Original Medicare also has certification requirements for the physical therapy plan of care.
Call us with your insurance information and we will help determine what your plan appears to require.
No unnecessary delay. No extra step when it is not required.
Choose whichever option is easiest:
Online booking usually takes about a minute. Calling is best when you have insurance questions, are unsure which service you need, or want help selecting an appointment type.
Yes — you may request a particular clinician, and we will consider that preference when scheduling.
That said, we encourage patients to also stay open to seeing other members of our team. Each TORQ clinician brings a distinct set of clinical strengths, and combining perspectives across the team often produces more well-rounded care. Your plan of care remains coordinated regardless of who provides your treatment — TORQ's clinicians communicate directly and share documentation, so continuity is built into how we practice, not just into who is in the room.
Availability, the type of appointment, the clinician's areas of focus, and the needs identified during your evaluation may also affect scheduling.
Request a person when you have a preference. Trust the team when you don't.
Bring:
You do not need to delay your appointment because you don't have imaging or complete medical records.
Wear comfortable clothing that allows you to move and gives the clinician reasonable access to the area being evaluated.
Examples include:
Avoid restrictive clothing such as tight jeans when possible.
Comfortable clothing. Useful access. Easier movement.
TORQ will send or provide the required intake forms before your first visit. Complete them as thoroughly as possible so your clinician can review your medical history, current concerns, medications, goals, and relevant insurance information.
If you have difficulty completing the forms, call the office and the team will help.
Appointment availability changes throughout the week. TORQ often has appointments available quickly, but the exact timing depends on clinician schedules and the type of evaluation needed.
The online portal shows current openings. You may also call us if you need help finding the earliest appropriate appointment.
Every visit has a purpose. Every progression has a reason. Every plan is adjusted around the person receiving care.
Your clinician will begin by discussing:
The physical portion may assess mobility, strength, balance, walking, coordination, sensitivity, endurance, or task-specific movement depending on your presentation.
Your clinician will then explain the initial findings, discuss whether physical therapy appears appropriate, and begin developing a plan based on your goals.
Listen carefully. Evaluate thoroughly. Plan intentionally.
Treatment is often started during the evaluation when it is appropriate and time allows.
The amount and type of treatment depend on the complexity of the evaluation, safety considerations, medical history, and the findings identified during the visit.
The first priority is understanding the presentation well enough to choose an appropriate starting point.
Evaluations and follow-up appointments are generally scheduled for approximately 45–50 minutes.
TORQ's sessions are one-on-one. Your clinician is focused on you rather than moving among several patients during the same appointment.
No rushed rotation. No overlapping treatment. One focused visit.
Many patients begin around two visits per week, but there is no universal schedule.
Frequency may depend on:
Some patients need more support early and taper as they progress. Others begin with less frequent visits.
The schedule should fit the plan. The plan should fit the patient.
The length of care varies.
A recent injury, long-standing pain condition, neurological diagnosis, balance concern, and surgical recovery will not follow the same timeline.
Your clinician will use objective findings, functional changes, goals, and your response to treatment to determine when to progress, reduce visit frequency, transition to independent management, or discharge.
You will receive one-on-one treatment from a licensed physical therapist or licensed physical therapist assistant.
A physical therapist completes the evaluation, establishes the plan of care, performs required reassessments, and directs the course of treatment. A physical therapist assistant may provide treatment within that established plan under appropriate physical therapist supervision.
TORQ's clinical team includes licensed physical therapists and physical therapist assistants with different areas of experience. That range is one of the strengths of the team model. When your care benefits from another clinician's specific expertise — manual therapy, vestibular rehabilitation, gait analysis, dry needling, strength progression, neurological rehab — that expertise is available to you through the team, not just through one provider.
Not always — and at TORQ, that's often an advantage, not a downside.
We recognize this is a common concern in the physical therapy industry, where patients sometimes feel bounced between providers with no coordinated plan. Our approach is different. Each TORQ clinician brings a distinct set of clinical strengths — one may specialize in manual therapy, another in vestibular rehabilitation, another in strength progression, another in gait analysis. When your plan of care touches more than one of these areas, seeing more than one clinician can produce more well-rounded, more complete care.
What holds it together is our team model. Every TORQ clinician trains under a shared clinical philosophy, uses shared documentation, and communicates directly about the patients they're both seeing. Your treatment plan is created and directed by your evaluating physical therapist, but the collective knowledge of the whole team is available to support it.
In practice, this means:
If you have a strong preference for a particular clinician — whether for continuity, personality fit, or a specific specialty — tell the front desk. We will work with you.
One coordinated plan. Multiple areas of expertise. Real continuity, from the team as a whole.
Home activities are often part of physical therapy, but the program should be realistic and relevant.
Your clinician may recommend mobility work, strengthening, balance practice, walking, symptom-management strategies, or changes to everyday activity.
The goal is not to hand you the longest exercise list. The goal is to identify the work that matters and make it manageable enough to perform consistently.
The right work. The right dose. The right progression.
Your plan should not remain unchanged when you are not progressing.
Your clinician will reassess the working approach, review contributing factors, modify treatment, discuss barriers, and determine whether another TORQ clinician or outside healthcare provider should be involved.
When the presentation requires medical evaluation, imaging, or another type of care, TORQ will recommend the appropriate next step.
Discharge does not mean you are left without a plan.
Depending on your needs, you may transition to:
Lily may assist appropriate patients with separate post-discharge wellness or fitness programming. These services are distinct from skilled physical therapy.
Finish therapy. Keep the progress. Know what comes next.
TORQ currently offers telehealth on a self-pay basis when the service is appropriate for the patient's needs.
Telehealth may be useful for education, exercise progression, movement review, home-program troubleshooting, or follow-up when hands-on examination and treatment are not required.
Not every condition is appropriate for a virtual visit. Call the office to discuss whether telehealth is a reasonable option.
Some patients come to TORQ for medically necessary physical therapy. Others use TORQ for fitness, recovery, maintenance, or wellness services. The right category depends on the purpose of the service and whether a skilled physical therapy plan of care is required.
A particular intervention is included only when clinically appropriate. Coverage depends on medical necessity, benefits, billing rules, and the patient's plan.
Physical therapy is skilled healthcare used to evaluate and treat a functional limitation, injury, condition, or recovery need. It is provided under a formal plan of care and includes clinical assessment, measurable goals, documentation, and reassessment.
Wellness services are intended for fitness, maintenance, recovery, relaxation, performance, or general well-being when a skilled physical therapy plan of care is not required.
Wellness services are generally direct-pay and are not submitted to insurance.
Physical therapy treats a clinical need. Wellness supports an ongoing goal. Both are individualized, but they are not billed or documented the same way.
Trigger point dry needling may be included as one intervention within a physical therapy plan when the evaluating physical therapist determines it is appropriate.
Dry needling is not automatically appropriate for every condition, and it is not intended to replace a complete evaluation or broader rehabilitation plan.
It can depend on the reason for treatment.
Manual lymphatic drainage may be provided within a skilled physical therapy plan when there is a medically necessary functional or swelling-related condition that meets applicable coverage requirements.
It may also be offered as a direct-pay wellness or post-procedure service when insurance requirements for skilled physical therapy are not met.
New, unexplained, painful, red, rapidly worsening, or one-sided swelling should be medically evaluated before scheduling a wellness-based session.
Yes, when an ongoing fitness or wellness program is appropriate.
After discharge from skilled physical therapy, some patients transition into separate personal training, performance, or wellness programming. This can help them continue building strength, endurance, confidence, or tolerance for recreational activity.
These services are distinct from skilled physical therapy and are generally direct-pay.
TORQ Physical Therapy is located at:
600 Main Street, Suite 8
Riverton, NJ 08077
TORQ is on the first floor of Riverton Health & Fitness Center. We serve patients from Riverton, Palmyra, Cinnaminson, Moorestown, Delran, Delanco, and surrounding communities in Burlington County.
Arrive approximately 10–15 minutes early for your first appointment when forms or insurance information still need to be completed.
For follow-up visits, arrive with enough time to check in and be ready when the appointment begins.
If you expect to be late, call the office so the team can explain whether the full appointment can still be accommodated.
If we don't hear from you and you are running more than about ten minutes late, we will typically reach out to check whether you are still on your way. Occasionally, if arrival is delayed by twenty to thirty minutes or more, we may need to gently reschedule — not as a matter of strict policy, but because there may not be enough remaining time to deliver a treatment that is actually useful for you. Whenever we can still make the visit meaningful, we will.
Life happens. Traffic happens. We'll always try to make the visit work — but a good session takes real time.
TORQ requests at least 24 hours notice when an appointment must be cancelled or rescheduled.
Cancellations made within 24 hours and missed appointments may be subject to a $50 fee.
Because TORQ schedules one patient with one clinician, that time is reserved specifically for you. Late cancellations and no-shows are difficult to refill and reduce the availability of appointments for other patients.
Reserved time. Individual attention. Mutual respect.
Call the office before coming in if you have a fever, vomiting, a contagious illness, significant respiratory symptoms, or another change that may make in-person treatment inappropriate.
The team can help determine whether the visit should be rescheduled or whether another option is appropriate.
TORQ is located on the first floor of the Riverton Health & Fitness Center at 600 Main Street. Our treatment space accommodates canes, walkers, and wheelchairs.
There are two ways to enter the building:
If you have any questions about the entrances, parking, or would like guidance before your first visit, call us at (856) 360-5630 and we will help you plan the most comfortable way in.
Two entrances. One team ready to help you find the one that works.
Every insurance plan is different. Every patient situation is different. Not every question fits neatly into a website answer.
Call TORQ at (856) 360-5630. You'll reach a real person who can listen to the question, review the available information, and help you determine the next step.
No phone tree. No guessing. No unnecessary runaround.
Book your evaluation online, or call us if you'd rather talk through insurance, scheduling, or which service may be appropriate.
Most patients can begin physical therapy without first obtaining a physician referral, although insurance and certification requirements may vary.