Self-Pay PT Services
Direct Access To The Care You Deserve
Ongoing changes in our healthcare system have unfortunately led to a decrease in coverage and accessibility of care for many people. Providers and even patients have realized that insurance-driven care is not always the best option. In fact, insurance restrictions and oversight can actually limit your physical therapists' ability to provide the care you need.
Insurance companies commonly restrict access to physical therapy by: (1) limiting the number of physical therapy visits you can use each year, (2) requiring a physician referral to use your PT benefits, (3) requiring pre-authorization prior to or during treatment, (4) limiting your course of treatment based on a third-party medical review, and (5) refusing to cover certain PT services.
Direct access through our self-pay program eliminates these restrictions and delays. It gives you full access to the physical therapy treatment you need, whenever you need it. It also eliminates insurance oversight, giving you and your therapist full control over your treatment. Our self-pay program is based on a flat rate fee per visit, with multiple-visit plans available at a discounted rate.
THE BENEFITS OF SELF-PAY
No Referral Needed, No Waiting, No Visit Limit, No Pre-authorization, No Treatment Restrictions
Less Hassle, Quicker Recovery
Your shoulder won't stop aching after the flag football game last weekend, your knee is swollen after the soccer game last night, or your back just won't stop hurting after all that yardwork. Why go through the rigmarole of making an appointment with a physician, waiting to get in, and paying for the office visit only to be referred to PT in the end? Why not save time and money by coming directly to us at Choice PT? We will perform a thorough evaluation to determine if your injury can be appropriately managed by physical therapy alone. If not, we will get you to the correct healthcare specialist immediately, but most of the time we can effectively treat the injury in our office. Especially in acute cases like these, the sooner treatment begins, the sooner you'll be back to normal!
Complete Control Over Your Care
In todays healthcare system insurance companies often dictate the care you recieve. They can limit the number of treatment sessions you are allowed, refuse to pay for some services, and even determine what treatment is and isn't "medically necessary." In fact, insurance companies often have more control over your care than the healthcare providers that are treating you. Ultimately, the insurance oversight can prevent you from receiving the care you need, resulting in poor treatment outcomes. Our self-pay program eliminated the influence of insurance companies, allowing you and your therapist to call the shots. Withoiut insurance restrictions, or caveats, you will recieve the care you need to ensure optimal treatment outcomes.
Continue Teatment After Insurance Benefits Have Been Exhausted
Having to stop treatment before your sypmtoms have fully resolved is not ideal. Your symptoms can return, and an acute problem may even become a chronic issue. Unfortunatley, most insurance companies limit physical therapy treatment to a certain number of visits each year. Once you meet your PT visit limit they will not cover additional treatment regardless of your needs. If this happens to you, our Self-Pay program will allow you to continue with the treatment you need until you feel you are ready for discharge.
Follow-Up Care After Discharge
In some cases maintining regular follow-up visits with us after discharge can be very beneficial. For example, you may want our continued guidance as you advance your home exercises program, or you might feel that periodic treatment will help keep your chronic condition managable. Unfortunately, once you have achieved your treatment goals your insurance will consider additional treatment "maintenance care," and they will not pay for it. Our self-pay program allows you to continue seeing us If you find yourself needing, or wanting to follow-up after discharge.
Accessible Care For Your High-Deductible Insurance Plan
Extremely high deductibles are becoming common place. In some cases people have such high deductible they end up paying out-of-pocket for most, if not all of thier annual healthcare costs. If you have a high deductible that you are unlikely to meet our self-pay program could actually save you money. The path to seeing a physical therapist can be a long and costly one. Typically, it starts with the cost of a visit to your primary care doctor, and can potentially include other costs such as seeing a specialist, trying prescription meds, and even undergoing imaging such as x-rays or an MRI. These steps are often unnecessay and extremely costly. In fact, the cost of your entire course of physical thearpy treatment is likely to be significantly less than paying for all the steps it sometimes takes just to get here. Why not save the money by coming directly to us? If we feel you need to see a physicain for any reason we will not hesitate to get you to the correct specialist, but most of the time we will be able to effectively treat you in our office, saving you time and money!
Save Insurance Visits For A Planned Procedure
You're having a knee replacement, or other planned surgery later this year, but now your lower back won't stop hurting. You know you'll need to use the maximum amount of PT allowed by your insurance to recover from your upcoming surgery, but you'd really like to have your current pain resolved in the meantime. Our Self-Pay program allows just that: full access to the treatment you need now, without using any of the visits you know you'll need later. We can even give you some tips to help you prepare for your upcoming procedure!
Cost Per Visit
Self-pay treatment is billed at a flat rate of $80 per vist. The cost guarantees you at least 45 minutes of one-on-one treatment time with a licensed therapist and also covers the cost of any medical supplies.
Multi-vist packages can be purchased at a discount. Packages start at 10 visits and can be tailored to your specific needs. Your therapist will recommened a treatment frequency and duration to assist you in determining the most cost effective way to obtain the treatment you need.
If you purchase a multi-visit package, and do not utilize all the visits, a refund will be issued after adjusting the visit rate to reflect the number of visits used.
COMMON QUESTIONS ABOUT SELF-PAY PT
How will you know what's wrong?
As physical Therapists we are specially trained to diagnose even the most complex musculoskeletal and neuromuscular conditions. During your first visit we will complete a full physical exam to determine the source of your symptoms, and discuss our findings and treatment plan with you in detail. We want you to be confident in your care and we will take the necessary time to answer whatever quesitons you many have. If you would like to see some common injuries we treat, you can Click Here.
Don't I need X-rays or an MRI first?
Not typically. In most cases our hands-on exam will be all that is needed to accurately diagnosis and treat your problem. If we feel imaging is necessary we will not hesitate to refer you.
Do you keep medical records?
Yes. We will keep a record of each treatment session. If you need a copy of your records, just let us know.
What if I already have a PT order?
You are always welcome to use our self-pay program, even if you have a physicains order for PT. If you have an order from your doctor you may have the option to file directly with your insurance company to get reimbursed for the cost of treatment. However, that will depend on your particular insurance plan.
Can I use my Health Spending Account?
In some cases, yes. You might need a doctor's order for this though. Check with your specific plan for details, and let us know if you have any questions. We will be happy to assist you.
How much does it cost?
Treament cost is $80 per visit. This guarantees you at least one hour of direct time with a Physical Therapist. Multi-visit packages are available at a discounted rate. If you are interested in a package, please discuss this with your therapist so we can help estimate how many sessions you might need.