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Why You Should Choose a Cash Based Physical Therapy Practice

Updated: Oct 18, 2023

A cash based physical therapy business display at an event.

Have you noticed that cash based medical facilities are becoming more common these days?

Providers are going out on their own, starting their own practices, and not accepting insurance all so that they can provide the best quality care that their patients deserve.

I don’t know about you, but the way the healthcare system is structured seems a bit backward. For example, insurance companies have us convinced that we must pay them a monthly premium, pay a high deductible, a large sum of money out of pocket, and receive very little coverage in return.

It is also common for people to have high deductible insurance plans resulting in them paying out of pocket for their physical therapy. Physical therapy is not cheap. The typical out of pocket expense per visit for physical therapy in an outpatient clinic ranges from $200-500 per visit.

You would think for that kind of money, that patient ought to be receiving excellent care. Unfortunately, that’s not always the case.

Physical Therapy That Accepts Insurance Coverage

Despite the high cost for a session, there are often many times when someone completes a bout of physical therapy but will still have yet to meet their deductible. Not to mention, they may have not received the best experience during their outpatient clinic experience.

In the traditional outpatient physical therapy clinic, it is not common for a patient to be seen by a physical therapist who is also seeing 3 or 4 other people at the same time. Unfortunately, because of this, the recovery process typically takes longer for that patient. The longer that recovery process takes, the more money the patient is going to have to spend.

See why I think our healthcare system may be a bit backward?

Why You Should Seek Out of Network Care

When I 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

That’s just to name a few, and really, there are so many more.

With my in-home physical therapy practice, I can carry out the treatment plan 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.

Seeing my clients in this capacity results in just a couple of visits. It allows them to finish their physical therapy in a much shorter period of time and is why I decided to stay out-of-network from accepting insurance providers.

Insurance Doesn’t Acknowledge Performance Goals

Many of my clients don’t come to me because they have pain. They may not even have general aches and pains, stiffness, etc. Instead, they come to me because they have set a goal, whether it be performance based or simply to improve their overall wellness.

In this scenario, if a patient was to attend a clinic with a traditional insurance model, they wouldn’t qualify for insurance covered services. Most insurance plans will not cover physical therapy unless pain is involved and activities of daily living are being 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 maintain proper mechanics to prevent injuries. Insurance companies declare these activities are not functional and will deny care when a patient attempts to go in-network for their care.

PTs Are Qualified to Practice Outside the Confines of Insurance Regulations

As a physical therapist, I am a movement specialist and expert in all things movement. More and more physical therapists in today’s world have a doctorate of physical therapy. They specialize in movement science and can help you work towards your goals, whatever they may be.

If you are looking to progress your physical abilities in any way, a physical therapist can help you see where your deficits are and what might be keeping you from maximizing your potential. Other professions can assist in this area as well: personal trainers, coaches, strength and conditioning specialists, etc. To learn more about the differences between a physical therapist and a personal trainer, click here.

Physical Therapy to Meet Your Personal Goals

As a cash physical therapy practice owner, I have worked with individuals and teams to help them progress towards their own athletic goals or team goals to better their potential. Sometimes it is as simple as adding in 15 minutes before practice to learn new techniques that can then be taken directly into practice.

On the flip side, you don't have to be playing a sport to receive training. We can work together in your home or gym to get back in shape, make a step in your fitness journey, or train for a new activity/sport.

If you’re interested in working with me, the first step is to schedule a no-charge phone consultation. This free consultation is so we can further discuss your goals and if we would be a good fit to work together. From there, we will 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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