Health Loft Physical Therapists

Chicago physical therapists that accept your insurance

We take insurance:
We take insurance:

What makes Health Loft Physical Therapy different?

Get the personalized, boutique physical therapy experience while insurance pays the bill.

Why Health Loft?


1-on-1 Care

  • Spend 45-60 minutes with your physical therapist.
  • Appointments 2-3 times longer than other clinics.
  • All PTs are fully licensed so you never see a tech.

Individualized Care

  • See the same physical therapist every visit.
  • Care plans crafted around your health and lifestyle.
  • Attainable goals you can reach at your own pace.

Digital Upgrades

  • Send direct messages your physical therapist.
  • Video/picture exercises delivered through our app.
  • Virtual appointments available for your convenience.

From Our Clients

How it Works

Working with Health Loft is as simple as 1, 2, 3…

Step 1

Book an Appointment

Step 2

Establish a Personalized Plan

  • Tell your physical therapist your story.
  • Assess mobility, strength, and goals.
  • Craft a customized plan that will work for you.

Step 3

See Results

  • Do your homework with help from videos and resources in our app.
  • Assess progress at each physical therapy appointment.
  • Reset goals in order to reach higher achievements.

Use Insurance or Pay a Flat Fee

Physical Therapy services are covered by most insurances.

Commercial Insurance

Regular Coverage

We accept most insurances just like any regular clinic. Your co-pay remains the same.


Use your Savings

Our services are covered by your HSA/FSA dollars. There are no out of pocket costs to you.


0 copays

Zero copays, no unexpected bills, discounts available for visit packages.

Call or book an appointment online and we will verify your insurance before your appointment.

Conditions We Treat

Our licensed Physical Therapists treat patients facing a wide range of conditions and challenges.

Orthopedic/Sports Injuries

Recover and come back stronger than before.

Post-Surgical Rehabilitation

Heal your body and rebuild strength and flexibility.

Back and Neck Pain

You don’t have to live with chronic back and neck pain.

Hip and Knee Pain

Increase your range of motion and move with ease.

Shoulder, Elbow, Wrist Pain

Heal your upper body and move without pain.

Ankle and Foot Pain

Walk, run, and move without fear of foot pain.
Specific conditions include but not limited to…
  • ACL Reconstruction
  • Whiplash, bulging discs, degenerative disc disease, disc herniation
  • Sciatica and spinal stenosis
  • Bone fractures, ligament, meniscus, and rotator cuff injuries
  • Arthritis, balance disorders, and degenerative joint disease
  • Total hip, knee, and joint replacement recovery
  • Plantar Fasciitis
  • Hamstring strains and tears
  • Achilles tendonitis
  • Return to gym/sport
  • Strengthening and stabilization programs

Physical Therapy FAQs

If you still have questions, let’s chat! Call us or email us and we’ll get back to you.

Do I need a prescription or referral to see a Health Loft physical therapist?
No. We will verify your insurance when you book an appointment, but we do not require a referral.
Can I see the same physical therapist every visit?
Yes! It’s important to us that you develop a relationship with the same physical therapist so he/she can be part of your entire journey.
How do I know if my insurance will cover physical therapy?
We will verify your insurance when you book your first appointment. Health Loft accepts most major insurance plans, Medicare, HSA and FSA. If you don’t want to use insurance, we have private-pay plans as well.
What should I expect on my first visit?
We want to get to know you! Our first job is to listen to your story and your concerns, ask questions to determine the root problems, and develop a plan that works for your lifestyle. These appointments are always 60 minutes long.
How long do appointments typically last?
All physical therapy appointments are between 45-60 minutes. That’s 2-3 times longer than most traditional clinics will spend with a patient.
What are our office hours?
We are open Monday through Friday, 6 a.m. to 8 p.m.

Meet Our Physical Therapists

James Caginalp PT, DPT, CSCS, CES, PES

Have questions about insurance coverage?

Fill out form below and one of our representatives will reach out to you to assist.