Insurance PT vs Cash Physical Therapy

20-40 min with PT

• Go to PT 2-3x per week

• Unclear pricing, especially if high deductible plan

• Need to hit deductible first, then may still have copay/coinsurance

• May see different PTs each visit

• Your PT may be working with 2-3 other patients at a time with help of physical therapy aides

• Paperwork needed for insurance

• Time to get to clinic for appointments

• Slower results, less customized program

60-75 min with PT

• Go to PT 1-2x/week or as needed

• Clear price, no hidden charges 

• Same PT each visit, dedicated to your plan

• One-on-one Physical therapy, full focus on you and getting you back to what you want to do

• Mobile option saves money with time- not having to drive anywhere. PT comes to you 

• Given a super bill which can be submitted  to insurance to see if any reimbursement given

• Can pay with FSA or HSA