Is Cash-Based Physical Therapy More Expensive?

When people hear the words 'cash-based physical therapy,' they instantly assume they cannot afford it. When they hear 'in-network,' they assume it's free. This is often not the case — and here's why.

Insurance-Based PT

Best case scenario: you've met your deductible and insurance covers PT. You're often left with a co-pay averaging $20-70 per session. Not horrible, but it adds up. Now assume a high deductible plan you haven't met — costs can range from $100 to $400 per session, and you often won't know the cost until after treatment is finished.

Cash-Based PT

In our model, we do not accept insurance. While this is possible to be more expensive, here's why I think the investment is worth it:

• ✓Your entire session is 1-on-1 with a physical therapist
• ✓Your session is tailored to your needs, not a generic exercise packet
• ✓Session duration ranges 45-75 minutes based on your needs
• ✓We get you better faster in fewer visits
• ✓We don't bill for ice machines and traction units
• ✓We offer virtual rehab sessions at a cheaper cost
• ✓We have access to a full weight room and 9,000 sqft of turf space

HSA and Super Bills

We accept HSA to ensure patients can afford our services. Upon request, we also provide patients with a Super Bill — allowing you to submit to insurance for reimbursement. Insurance will often cover a percentage or even the whole cost.

So yes, there is potential that we could be more expensive. However, the quality of care not only makes it worth it — it could offset the cost as our patients often get better faster.