In a cash-based treatment model, your therapist enters into a mutual agreement with you to provide a care plan you have both agreed upon to help you reach your goals most efficiently. This agreement entails full transparency on investment, commitment and expectations. No surprises.
You will pay at the time of service. This model allows the therapist to focus on providing direct, one-on-one care, while keeping administrative costs low. You may pay for services using cash, check/Venmo, credit/debit card, or with your HSA.
In most cases, you may also personally file for reimbursement from your insurance company to curb your out-of-pocket expense. Most insurance companies, with the exception of Medicare, Medicaid and some HMOs, will provide reimbursement for services received "out of network". The SSPT team will help you with this process.
In our 23+ years of experience, third-party payers pressuring for fast diagnosis, insisting on canned treatments, and obstructing the therapy we want to provide, often hurts the patient’s progress. You need a movement specialist to tell you exactly what you need, based on your individual progress. Sometimes the frequency and duration of therapy changes over your plan of care. You don’t need an insurance company telling you how long it takes or how many visits you can have to get better. With a cash-based one on one model, you may need less visits than insurance tells you and you get better before your “visits are up”, spending less out-of-pocket expenses, than a traditional physical therapy practice.