Why Cash-Based Physical Therapy

When it comes to physical therapy, many people assume that using their insurance is the best (and only) option. But did you know that a cash-based physical therapy model can actually provide better care, faster results, and more personalized attention?

At YourMove Physical Therapy & Sports Performance, we operate as a cash-based clinic, meaning we work directly with you—not your insurance company—to deliver high-quality care without the usual restrictions. Let’s break down why this benefits you.

1. More Time with Your Therapist

In traditional insurance-based PT clinics, therapists often see 2-3 patients per hour or more, meaning you may only get 15-20 minutes of direct care before being handed off to an assistant or tech. (Source: American Physical Therapy Association). This means less one-on-one time with your provider.

💡 YourMove’s Cash-based PT Model offers 60-minute, one-on-one sessions, allowing for more focused, effective treatment. You get my full attention for your entire session. Every visit is hands-on, customized, and focused on your unique needs—not what an insurance company dictates.

2. No Insurance Limitations on Your Care

60-70% of insurance-based physical therapy visits involve non-billable time, meaning you’re often doing exercises on your own while the therapist juggles multiple patients. (Source: American Physical Therapy Association)

Often times, insurance companies also decide:
❌ How many visits you get (even if you still need care)
❌ What treatments are "covered" (even if they’re not the best option for you)
❌ Whether you're eligible for PT (even if you’re in pain and need help)

Many insurance plans cap physical therapy at 20 visits per year—regardless of whether the patient has fully recovered or gets injured again later in the year. (Source: Blue Cross Blue Shield)

By choosing cash-based PT, we focus on your recovery—not what’s reimbursed. You get the best treatment plan for you, without being rushed or cut off before you're ready.

3. Fewer Visits = Faster Recovery

Patients in insurance-based PT often attend 12-18 sessions due to lower-quality visits dictated by insurance. (Source: Journal of Orthopaedic & Sports Physical Therapy).

✅ In cash-based PT, because of more personalized care, many patients recover in 4-8 visits, saving time, money, and frustration.

Instead of being shuffled into multiple short, low-impact sessions dictated by insurance, you’ll receive focused, high-quality treatment that actually works—faster.

4. Transparent Pricing with No Surprise Bills

Ever received a bill from your insurance company months after treatment, only to find out you owe hundreds (or thousands) more than expected?

The average cost per PT session billed through insurance is $150-$300, depending on co-pays, deductibles, and coverage. (Source: Healthcare Bluebook)

Patients with high-deductible plans often pay $1,000-$2,500 out of pocket before insurance starts covering PT.

With cash-based PT:
✅ You know exactly what you’re paying upfront.
✅ There are no surprise bills.
✅ You control your healthcare spending.

5. You Can Still Use Your Insurance (With a Superbill!)

Just because we’re cash-based doesn’t mean you can’t get reimbursed! Many patients still use their out-of-network benefits by submitting a superbill—a detailed receipt of your visit that you send to your insurance company for potential reimbursement.

Many PPO insurance plans reimburse 50-80% of out-of-network physical therapy costs if you submit a superbill. (Source: Forbes Health)

How It Works:

1️⃣ After your visit, I provide you with a superbill containing all necessary treatment codes.
2️⃣ You submit it to your insurance provider.
3️⃣ If you have out-of-network benefits, your insurance may reimburse a portion of your treatment cost.

Ready to Experience the Difference?

At YourMove Physical Therapy & Sports Performance, I focus on what’s best for YOU—not what insurance companies allow. If you want one-on-one, expert care that gets you back to your sport, workouts, and daily life faster, cash-based PT is the way to go.

👉 Book your first appointment today! https://yourmovephysicaltherapy.janeapp.com/

Got questions? Feel free to reach out—I’m happy to chat about how cash-based physical therapy can work for you!

email: yourmovept@gmail.com

call/text: 404-414-2898