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But I have insurance. Why pay cash?

Updated: Oct 13, 2020

As insurance deductibles continue to increase and reimbursements from third party payers are seeing cuts, the price for healthcare services is on the rise. It is not uncommon for someone with private insurance coverage to have high co-pays and/or pay large sums for traditional physical therapy coverage until your deductible is met. Average cost for traditional physical therapy with insurance is dependent upon your insurance plan with an average range of $20-$350 per session. See example of estimate below.



With the cash based model, you will pay for your services up front. You may use cash, credit/debit card, Health Savings Account or Flexible Savings Account for payment methods. You may then submit for reimbursement from your insurance on your own.


One of the perks to our cash based fee for service model is that third party payers are not mandating reimbursement and thus are not influencing treatment. Each treatment in a cash based model is based on QUALITY not quantity. It is not uncommon in larger physical therapy practices and hospital based clinics that treatment time is cut down and clients are double booked in order to stay profitable. With the cash based model, there is more flexibility to have INDIVIDUALIZED one-on-one treatment. The average number of visits in a traditional insurance based model is 8-10 visits for a 30 minute session compared to our average of 4-6 visits for 45-60 minutes per session. In our model at Dynamic Physical Therapy and Wellness, we spend more time in each session for individualized care with our clients. Not only do you get the best quality of care and efficiency of treatment, there is an overall cost savings to getting you back to performing the activities you love.


Contact us today to schedule your INDIVIDUALIZED appointment to allow you to Perform Better, Live Better, Get Better!



References:

https://www.ptprogress.com/how-much-does-physical-therapy-cost/

https://thervo.com/costs/physical-therapy-cost

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