Why Paying Out of Pocket for Physical Therapy is the Best Option
In today's world of healthcare, navigating insurance policies, copays, and deductibles can be a headache.
When it comes to physical therapy, many individuals may opt to go through their insurance provider to cover the costs. However, there's a case to be made for paying out of pocket for physical therapy.
Let's explore why this might be the best option for you
Choice of Provider — When you pay out of pocket, you have the freedom to choose any physical therapist you want. This means you can find a specialist who aligns with your specific needs, preferences, and goals. Instead of being restricted to a network of providers determined by your insurance, you can select the therapist who best suits you.
Quality of Care — Oftentimes, insurance companies may dictate the number of sessions or the type of treatment covered. This can compromise the quality of care you receive. When you pay out of pocket, your therapist can focus solely on your needs without external restrictions. This can lead to more personalized, effective treatment tailored to your unique situation.
Direct Care from a Physical Therapist — At Method Physical Therapy you will be with one with a Physical Therapist, 1 on 1, for a full hour. You will not be bounced around between PT techs or PT assistants, monitoring you just doing exercises on a mat.
Faster Access to Treatment — Insurance companies may require pre-authorization or impose waiting periods before approving physical therapy sessions. This delay can be detrimental, especially if you're in pain or recovering from an injury. By paying out of pocket, you can bypass these bureaucratic hurdles and access treatment promptly, potentially speeding up your recovery process. At Method Physical Therapy, we do everything we can to see you within weeks of scheduling.
Long-Term Savings — While paying out of pocket may seem costlier upfront, it can actually save you money in the long run. Research has found that people who pay out of pocket actually spend less than going through insurance. This is because receiving quality and personalized care from the beginning prevents the need for additional treatments down the line. As well, the ability to receive proactive care can help you avoid recurring injuries or chronic conditions, ultimately reducing healthcare expenses in the future.
Holistic Approach — Insurance-driven healthcare often prioritizes symptom management over holistic wellness. When you pay out of pocket, your physical therapist can take a more comprehensive approach, addressing underlying issues, promoting preventive measures, and empowering you to take control of your health beyond the confines of your sessions.
Flexible Treatment Plans — Insurance coverage may limit the types of services or modalities available to you. Paying out of pocket gives you the flexibility to explore alternative therapies or experimental treatments that may not be covered by insurance but could prove beneficial for your recovery. For example, with insurance based care for an ankle injury, they would not pay for your visit if you came in that day with an acute neck injury. With private pay, we can immediately assess and treat that injury, preventing it from getting worse.
Privacy and Confidentiality — Your medical information may be shared with your insurance company when you utilize your coverage for physical therapy. Paying out of pocket ensures greater privacy and confidentiality, as your therapy sessions remain strictly between you and your therapist.
Reimbursement — If you still want the option to be reimbursed through your insurance while visiting a cash based clinic, you can, if your insurance covers out of network care. You will be provided with a “super bill” that you can submit to your insurance company for reimbursement.
FSA and HSA cards are accepted
While insurance coverage can provide financial assistance for physical therapy, paying out of pocket offers numerous advantages in terms of choice, quality, speed, and long-term outcomes.
There is nothing more important than your health, so change the insurance based narrative and invest in yourself.
Take back control over your health. Research your best care options, and don’t let our insurance based medical system dictate the quality of care you receive.
To schedule an appointment contact us at info@methodptnm.com