Why Out-of-Network Physical Therapy?

In recent years, the landscape of healthcare has shifted dramatically, and one area feeling the squeeze is physical therapy. Insurance companies are reimbursing physical therapists less and less, leading to fewer resources and less time dedicated to each patient. Therapists are often forced to see more patients in a day, which means shorter treatment times and, in some cases, patients being handed off to aides or assistants for parts of their care. But what if there was a better way to receive treatment?

Enter out-of-network physical therapy often referred to as cash-based physical therapy — a model that focuses on providing personalized, one-on-one care without the constraints of insurance. Here's why it might be the solution you're looking for:

1. More One-on-One Time with Your Therapist

With cash-based PT, you get more face time with your therapist. No rushing through sessions to meet insurance quotas or passing you off to someone else. Instead, you're getting undivided attention from your provider, which means your treatment plan is tailored specifically to your needs. The result? You make progress faster and need fewer visits.

2. It Might Not Be More Expensive

You might be wondering if cash-based PT will cost you more. Surprisingly, in many cases, it won’t. If your insurance deductible hasn’t been met, the cost of cash PT can often be cheaper than in-network options. Even if you have a co-pay, the total cost of multiple in-network visits can add up quickly — often surpassing the cost of a few cash-pay sessions.

3. Insurance Reimbursement Is Still an Option

Even though cash-based therapy isn’t billed directly through insurance, many insurance plans will reimburse a portion of out-of-network care. After each visit, your therapist will provide you with a super bill that you can submit to your insurance company for reimbursement. And, if you have a Health Savings Account (HSA), you can use those funds to cover your out-of-network therapy costs, which can give you a nice tax break while covering your medical expenses.

4. Better Results, Fewer Visits

Ultimately, the goal of any treatment is to get you back to feeling your best — and with cash-based physical therapy, you often get more bang for your buck. Since you’re receiving highly focused care and a tailored treatment plan, you’re more likely to achieve quicker and better results, leading to fewer total visits. You’re paying for the quality of care, not just the quantity of visits.

5. Stronger Therapist-Patient Relationship

Without the constraints of insurance rules and time limits, cash pay PT allows for a stronger, more personal connection between you and your therapist. This can lead to a more positive therapeutic experience, increased motivation, and ultimately better outcomes.

In short, cash-based physical therapy offers superior care, more personalized attention, and often even a better value than traditional insurance-based therapy. If you're tired of feeling like just another number in the system, cash pay PT might just be the solution you've been looking for.

What you get with Radix Movement Medicine:

At Radix Movement Medicine, we offer a level of personalized care you won’t find at traditional physical therapy clinics. When you join us, you’re guaranteed direct one-on-one time with your therapist — no passing you off to aides or assistants. We believe in building a strong, ongoing relationship with each patient, which is why we offer not only email support for your questions but also direct text or phone access to your therapist during business hours. What’s more, our pricing is significantly lower than what most insurance-based clinics charge, with single visits starting at a price far more affordable than the typical out-of-pocket costs associated with insurance. We also offer flexible package deals that lower the cost per visit even further, and these packages are valid for an entire year, allowing you to space out your treatments and address your health care needs at your own pace. At Radix Movement Medicine, you get the attention and flexibility you deserve, all while enjoying a more affordable and accessible approach to your physical therapy care.