Frequently Asked Questions


What conditions do you treat?

Dr. Calhoun treats a wide range of musculoskeletal and pelvic health conditions. Some commonly treated issues are: neck and back pain, nerve pain (presents as numbness/tingling or altered sensation) , sciatica, upper and lower extremity pain such as shoulder and knee pain, hip pain, tailbone pain, pelvic pain, urinary incontinence, constipation, diastases recti, coccydynia, pregnancy and postpartum related issues, and so much more. The provided list is not comprehensive, if your issue is not listed, please contact us to ask!

Do I need a referral to be seen?

The short answer is no. Florida is a direct access state, meaning you are able to see a physical therapist without a referral for 30 days. We are often able to treat your condition within that timeframe. However, if you require treatment past 30 days, we will just send over your plan of care to be signed by your physician.

For Wellness and Exercise Programming services, no physician referral is ever needed.

Do you accept my insurance?

Resolute Physical therapy is an “out of network” provider for all insurances, meaning we do not bill insurance directly.

You are able to pay using an HSA or FSA card or your regular credit card. Additionally, some insurances will allow you to request reimbursement for your expenses. You will need to contact your insurance company to determine whether this is an option, and let Dr. Amber Calhoun know if you would like her to fill out the required forms.

Why are you “out of network”?

At Resolute Physical Therapy the patient experience is our priority. The choice to be an “out of network” provider was not taken lightly. Corporate,” in network” clinics have to negotiate with insurance companies and agree to be paid a lower price in order to bill that insurance directly. Therefore, in order to make up for the difference in cost, these clinics must book multiple patients (sometimes 2-3) within the same time slot, requiring the provider to split attention between multiple patients. In most cases, this leads to less individualized treatment and very “cookie-cutter” style exercise plans that patients could easily do at home. In addition to decreased value of treatment, patients are often required to come 2-3x a week, which is more time away from work or other obligations. In these clinics, care is frequently transferred to a PTA or technician for follow up visits, therefore most patients see the PT only a few times during their episode of care. The high volume “in network” clinic model values quantity over quality. We believe this model results in lower patient satisfaction and longer recovery times. We have also found that many patients are responsible for high deductibles and copays, which add up when you attend therapy 2-3x/week. For these reasons, the “in network” model does not align with our values and does not have the patient’s best interest in mind. At Resolute Physical Therapy, we will give you with the time and attention we feel like you deserve. Being “out of network” allows us to provide our patients with 60 minute sessions, one-on-one with a Doctor of Physical Therapy for the duration of your appointment EVERY TIME. Having individualized treatment for a full hour, you are likely to recover faster and with less overall visits, potentially saving you more time and money than you would spend at an “in network” clinic.

Where are you located?

We have an in home clinic located in Navarre, Florida, as well as options for traveling to a location of your choosing (at your home, or your gym). We also provide some services virtually.