Cash-Pay Services

Cash-based physical therapy is strictly a contract between the physical therapist and client. Many insurance companies impose restrictions on treatment plans such as visit limits and types of activities performed. During a cash-pay service, you pay upfront with cash, credit, or debit at the time of care. This reduces costs for us and, for you. By removing the barriers of insurance, it allows for our physical therapist to personalize a treatment plan for you. This ensures we are on the most efficient road to recovery. 

Usually, insurance is filed for each an every visit at a traditional physical therapy clinic. The bills are based on activities performed or time spent with the patient. The insurance company than reimburses the clinic at rates that vary from clinic to clinic. You should know that these rates are not determined by your therapists skills or the outcomes that come from your sessions. Rather, the clinic negotiates the best reimbursement rate based on how many PTs they have, number of rotations, number of patients, and more. Insurance involves third-party payers that often interfere with our personalized treatment plans. We are dedicated to getting you better as efficient as possible. Cash-based services allow for us to avoid the restrictions placed on our services. 

Yes. Put simply, you will file your insurance with an "out-of-network" provider. This means that your doctor simply does not have a contract with your insurance company. Instead of the insurance company choosing your doctor for you, you get to choose someone you know is dedicated to your personalized treatment plan. Apex PT will provide you with the documentation you will need to submit a claim to insurance for services you paid for. You will then be waiting for reimbursement, instead of the clinic. This way, we can spend as much time or resources we need to make sure your treatment has you on the quickest road to recovery. 

You will be surprised to know that cash-based services often cost less out-of-pocket than using insurance. In choosing to pay upfront it lowers our operation costs; therefore, we can charge less than the typical bill submitted to insurance. 

The US government has some interesting laws that control where Medicare beneficiaries can spend their healthcare dollar and persuade healthcare providers to enroll in their system. Because we are not Participating Medicare Providers, we can only accept Medicare beneficiaries as patients when the patient does not want Medicare billed for any PT services.The request to not involve Medicare in payment must be made up front by the patient and be made of the patient's own free will. 

If you wish to use APEX and understand we are not a participating provider, We may be able to help you if you provide a written agreement that specifies you will not involve Medicare of Medicare Supplemental insurance in your payment for care at Apex Physical Therapy. If you are a Medicare beneficiary, please contact us for more information.