You have health insurance that you pay for, so why should you choose to go out-of-network or pay cash for physical therapy instead?

At Speck Physical Therapy, we believe that decisions about your treatment should be made by you and your therapist–not your insurance carrier.

Over the years, insurance reimbursement for physical therapy services has declined. This has forced many in-network therapy practices change how they operate.

If you’ve been to an in-network clinic in the past, you may have noticed some of these changes:

One-on-one time with your PT

When you go out-of-network or cash pay, this drastically lowers the overhead usually involved with billing insurance as well as low reimbursement rates that force many clinics to see multiple patients at once.

A lot of clinics also employ support staff to assist with your physical therapy treatment. This further decreases the amount of quality time you get to spend with your physical therapist.

We only see one patient at a time. This means that during your appointment, you’ll have your PT’s undivided attention for the entire length of the treatment. This personalized level of care can cut down the number of visits you need overall because you can accomplish more in a single session.

Insurance limitations

While patients in California can see a physical therapist without a referral, there are still insurance plans that require a referral or authorization first. This can delay when you start necessary treatment for your condition.

Many plans also include a high deductible that needs to be met before they cover the cost of your treatment. This means you can be paying the full cost of your treatment if you haven’t met your deductible. And since many practices bill insurances more than our cash pay rates, this means you could be paying more for your treatment than if you chose to go out of network.

Luckily, many insurance plans offer out-of-network benefits. If you have a plan that allows for out-of-network physical therapy, you may be able to submit to your insurance for reimbursement for some or all of the cost of your treatment.