05/29/2026
Why would you pay out of pocket for physical therapy when insurance covers it somewhere else?
An initial benefit from a private pay practice is convenience. Scheduling is easier as there is no need for a referral, or to obtain insurance authorization. You can just schedule and go to your physical therapist. There are no extra steps in between😊
Pricing is straightforward and transparent. During the first appointment, you and the PT develop a treatment plan, that includes the price for services. There is no guessing at the total cost, trying to decipher explanation of benefits (EOBs) statements and waiting months for the bills to slowly trickle in.
Every visit is an hour long and you spend the entire session with a licensed PT. This translates into less sessions needed and more time for life. Treatment is focused on your needs instead of the ever-changing insurance billing and documentation requirements 💪
Insurance companies only want to pay for a certain amount of rehab. The more progress a you make, the less likely insurance is to pay. They're mainly focused on getting you back to function, verses all the fun activities you enjoyed. The self pay model allows you to progress beyond basic recovery to improved durability and performance.
Additional benefits include the ability to contact your PT between sessions and online appointment scheduling.
Physical therapy costs can be paid for using your Healthcare Savings Account (HSA), Flexible Spending Account (FSA), or Health Reimbursement Account (HRA). They are a great way to save on taxes and to spend your health care dollars where you choose to receive care 🤑
Private pay physical therapy - convenient, personalized, unlimited potential - so you can enjoy adventure for life!
Let’s get started.
