They do not anticipate meeting their deductible and choose to pay the $75 private pay rate rather than what they would be charged if it were billed through the insurance.Here are a few other scenarios I have run into where someone chooses private pay over insurance: You may save a little, but the quality of care may not be the same. Not only that but most other clinics in this area will allow you 15 minutes with your therapist and the rest of the session is spent exercising on your own or with a tech. Most clinics are going to see you at least 2-3x per week so if you have a $50 co-pay you’re already up to $100-150. That being said, for a person who is private paying for physical therapy, that would come to $150 weekly. The typical frequency of visits is 2x per week, and in some cases 1x if cost, schedule, or distance are issues.
Physical therapy session cost plus#
You have 45 minutes of my undivided attention plus access to me by phone or email with questions. The typical session at Elite is 45 minutes (60 minutes day 1 with the evaluation), and is one on one with the physical therapist. There are still companies that do pay significantly more than that depending on what is billed. This was the lower end of what insurance companies would typically pay for a physical therapy session, although with cost cutting more companies are hovering around this point. The private pay rate here at Elite Physical Therapy is $75 per visit. Now what about for those of you that do have insurance? This is where is can be a little tricky. In this case private pay for physical therapy is a no-brainer. Many younger folks are choosing to pay the fine for now since it is much cheaper than paying for insurance they probably will not use. Everyone is required to have insurance from this point forward or pay a fine. I’ve always offered what I think is a rather fair private pay rate since many people didn’t have insurance prior to the Affordable (laugh) Care Act. To be able to afford the monthly premiums anymore, some folks are forced to go this route and then pray that nothing bad happens to them or their family.
Physical therapy session cost full#
I’ve had this type of insurance myself so I know full well how it works.
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