What is cash based PT?

Cash based PT is not considered 'in-network' with insurance companies but that doesn't automatically mean that they won't pay for it.  Most insurance companies hold clout with bigger hospital owned clinics because of sheer volume.  They constantly cut back on smaller clinics causing owners to make the difficult decision of quality or quantity.  

Can I use my insurance? HSA?

  • Yes!  Max PT is eligible for out of network benefits.  Just let your PT know you would like to submit your bill to your insurance company for reimbursement
  • Today most high deductible plans have you paying out of pocket anyways!  Why not choose Max PT where your outcome is so much better!
  • You can use your HSA card to pay for cash pay PT

Reasons you should go with cash based PT

  1. More one on one time with your therapist.  Traditional PT often cycles patients through every 30 minutes and hands off to an aide or places you on a stationary bike.  One size fits all approach is not optimal.
  2. You are the focus.  Since there is not multi-tasking between patients and overlap, you get fulll attention
  3. You are not handed off to whichever therapist is available just so you can re-establish what you need.  You get a great client PT experience.
  4. Max PT can actually save you money.  Traditional PT will seek to maximize your insurance paid benefits.  If you have a high copay and are scripted to see PT 3x/week for 8 weeks, that could cost you upwards of $1500.  Not to mention there always seems to be surprise bills a year later.  Cash pay is done in 6 visit or 12 visit bundles with great results.  Time is money
  5. Max PT allows freedom to address multiple body parts.  Insurance can only be billed for one body part and thus limits your therapy. We treat you as a whole person with interworking parts!!
  6. Max PT makes time for your evaluation.  Trust me when I say that traditional PT is so pressed for time, it's easy to rush the evaluation and miss important information.
  7. Wait, wait, wait.  Currently, most PT clinics are 6 weeks out!  That means you are delayed in your recovery.  Plus Max PT has more adjustability to fit your schedule.  
  8. Passive treatments produce passive outcomes.  When you pay for a variety of treatments you are asking the professional to heal you.  Max PT works with you to have you heal yourself.  This is not a quick fix but it is a real fix.  You know have the tools to help heal yourself.
  9. Max PT allows the highest quality of care out there.  Why do we hesitate on spending money on our health? You get one body, let's take care of it.  
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Physical Therapy is the best first option (cost and effectiveness)

Physical therapy has been shown to be a highly effective first option treatment.  It is less expensive than most other medical treatments and highly effective and preventing further treatment.  Obviously, there are times when physical therapy is not your best option and if that is the case with us, you will be reimbursed and referred out.  We want to see people improve no matter where they get their treament.