What is Cash-based or Private-pay Physical Therapy?





Insurance companies have us convinced that we must pay them a monthly premium, pay a high deductible, all this money out of pocket, and get very little coverage in return. Many people that I have worked with in corporate healthcare outpatient clinics were paying out of pocket for their PT $200-500/visit, due to high deductibles, and most of the time never met their deductibles by the time they finished. During their physical therapy they were one of 3 or 4 people being seen by the same PT, at no fault of their own or the physical therapist’s, potentially making their entire process take longer to recover from.


When I left the outpatient physical therapy world and started my own practice I decided I wouldn’t take insurance. Why? Insurance companies limit your care in so many ways, for example:


-How many visits a PT can work with you

-What type of care a PT can provide you

-The ability to work with you one-on-one

-What has to occur first before you can receive PT.


Now that I don’t work with insurance companies, I can provide the care that I feel the patient needs and in the manner that they need it for as long as I feel they can benefit. That is why I am a cash-based or private-pay physical therapist. To see my clients get results in just a couple of visits and finish their physical therapy in a much shorter period reminds me of why I decided to stay out-of-network with insurance companies.


Physical therapy doesn’t have to equal pain. Many of my clients don’t have pain at all or just general aches and pains, stiffness, etc. Insurance plans will absolutely not cover physical therapy or training unless pain is involved and activities of daily living are affected. Clients seek me out in this manner because they want to return to exercising/training, enhance their performance, take their sport to the next level, or increase their strength, power, agility and make sure they keep good form to prevent injuries.


Being a physical therapist makes me a movement specialist and expert in all things movement. If you want to progress in any way, a physical therapist can help you see where your deficits are and what might be keeping you from maximizing your potential. Many other people can assist with this area as well: personal trainers, coaches, strength and conditioning specialists, etc. Physical therapists have a doctorate in their field that specializes in movement science or kinesiology and can help you work towards your goals.


Recently, I had a lady come to me after seeing a post on social media regarding the difference between a physical therapist and a personal trainer. Once she saw and understood the level of education we have in order to assist you with movement, she immediately signed up for sessions to work together to get her back in shape, able to play better with her kids, and return to the gym and boot camp classes that she had been wanting to attend.


The first step is starting with a No-charge phone consultation. You can schedule an appointment here and we can further discuss your goals and if we would be a good fit to work together. From there, we can either schedule an evaluation or get you set up with the next best steps to assist you with your goals. Click here to schedule a call!


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