Why People Are Choosing Direct Pay Physical Therapy
Most of us know how traditional healthcare and Physical Therapy work. You go to your physician, who refers you to physical therapy, your physical therapist gets insurance approval and you go to therapy. A few months later you get a bill.
In Direct Pay Physical Therapy (also known as Out-of-network or Cash Pay Physical Therapy,) you can go straight to the physical therapist and you pay on the day of service.
Why are more and more people choosing Direct Pay PT?
Limitations of Insurance-Based PT
In the traditional healthcare model there are a number of limitations when dealing with insurance companies.
⏳ Most insurances require a physician’s referral for physical therapy, requiring an extra appointment.
❌ Many insurance companies will limit the number of visits allowed, require pre-authorization and restrict certain types of treatment.
These constraints can lead to delays in treatment, a lack of personalization, and limit a therapist’s ability to focus on what the patient actually needs.
💰 Though physical therapy may be covered by insurance you don’t know what you will pay until you get your bill up to months later and charges can be extensive depending on co-pays and deductibles.
Benefits of Direct Pay PT
😎 Immediate access to care - no need for physicians’ referral or insurance approvals.
🗓️ Easier scheduling with more availability and flexibility.
🤓 Enhanced patient-therapist relationships with more opportunity for personalized care and longer, more thorough sessions.
✅ Insurance doesn’t get to dictate what kind of treatment or how many visits you get.
💲 Cost transparency with clear and upfront pricing that helps patients understand the total cost of care.
📉 Add value with potential for lower overall costs due to reduced administrative overhead.
Improved Quality of Care
Direct Pay PT can also lead to improved quality of care:
⛓️💥Therapists can design and adjust treatment plans based on the patient's needs without constraints.
🏅 Emphasis is on achieving patient goals rather than meeting insurance requirements.
⚡Patients get consistent uninterrupted treatment sessions which can lead to better and faster outcomes.
🌳 Therapists can more effectively address the root of the problem without the concern of whether the treatment will be covered.
Cost Breakdown
The financial considerations between the models depend on you and your situation. You can use FSA and / or HSA 💳 money at Direct Pay PT clinics.
If you have a high deductible plan and / or will not meet your deductible you will be responsible for the full cost 🤑 no matter what model you choose.
Time is money, and even though your insurance may cover the cost of therapy you should also consider potential savings of both time ⌚and money💲 due to more effective and efficient treatment.
Delaying treatment can worsen a problem. 🥴 What’s the value to you of addressing it sooner? 😁
For patients seeking routine or preventive care that doesn't necessarily require insurance coverage, Direct Pay can be a straightforward and practical option.
Success Stories
Our Direct Pay Patients Love:
⏱️Able to get in right away
🔓 Able to accommodate their schedules
🌞 Quick and lasting relief of symptoms
🚶🏼♀️ Realistic Exercises
👍 Explanations that make sense
Our Direct Pay Therapists Love:
The freedom to help patients achieve their goals without being limited by authorizations or medical necessity.
Addressing patients' needs today, whether it is the back pain from a month ago or the ankle you sprained yesterday.
Helping you with Performance goals 🏆🦌🌴 (training for an event or trip.)
Helping you with Wellness goals 🧘🚴🏻♀️🏃🏽♂️goals (training for life.)
Performance and Wellness are not covered by insurance when provided by a Physical Therapist, but are included and encouraged in the Direct Pay PT model.
Working with you to keep you healthy and strong rather than wait until you’re injured or in pain.
Future of Direct Pay PT
Nationwide there are increasing numbers of Direct Pay PT clinics and patients who are using them.
Patients are tired of the lack of control with their healthcare.
Direct Pay PT providers have flexibility and autonomy. They are able to operate their practice in a way that aligns with their values and offer high-quality, patient-centered care.
Conclusion
Traditional healthcare models have a lack of patient choice and control, providers are limited by insurance constraints, there can be delays in treatment, and for many people higher overall cost.
Direct Pay offers transparent cost, simplified processes, freedom of choice for both providers and patients and improved quality of care.
Many patients agree and are finding value in Direct Pay PT.
If you think Direct Pay Physical Therapy could be a good fit for you, call PWR Physical Therapy for a free phone conversation to discuss your needs.