Insurance & Your Physical Therapy
Let’s dive into insurance and PT.
If you’ve ever tried to get physical therapy through insurance and left feeling frustrated, rushed, or like your problem wasn’t truly fixed, you’re not alone. And it’s not your fault.
Here’s the truth most insurance companies don’t want you to know:
1. They control your care, not your provider.
Most insurance companies dictate:
How many visits you’re “allowed”
What body part can be treated (yes, even if your pain is connected to another area)
What types of treatment your PT can or can’t use
So your plan of care? It’s often based on their rules, not what’s actually best for you.
2. Your visits are usually shared with multiple patients.
In most in-network clinics, therapists are juggling 2–5 patients at once just to keep the lights on. That means:
Less 1-on-1 time. Less individualized. Less personal. Less about you.
More generic exercises. Doing the same thing as those next to you.
Slower progress. Takes LOTs of visits. Never truly out of pain.
It’s not that your PT doesn’t care, they’re just stuck in a system that prioritizes volume over value.
3. You might actually pay more.
High deductibles. Surprise bills. “Out-of-pocket” limits. Co-pays stacking up with minimal progress.
Here’s the kicker: Many patients end up spending more money with insurance-based care than they would in a focused, cash-based setting where every session is tailored, efficient, and effective.
4. You don’t have to wait until you’re injured.
Insurance usually won’t cover PT unless you’re already hurt. But what if we focused on preventing injuries in the first place?
Cash-based care gives you access to:
Injury prevention
Performance training
Mobility and strength coaching
FASTER return to sport or activity
You don’t need a referral to get started. You don’t need permission. You just need a goal.
5. You have options.. and freedom.
The biggest thing they don’t want you to realize?
You can choose your provider. You don’t have to follow the referral. You don’t have to stick with what’s “in-network.” You don’t have to settle.
When you work with a cash-based PT (like me), you get:
1-on-1 time, every visit
Custom care plans designed around your lifestyle, goals, and sport
Full transparency on pricing
A long-term partner in your health and performance
The bottom line:
If you’ve ever felt stuck, rushed, or unseen in the traditional system, know that you have another option.
And it’s one that puts YOU first.
Ready to take control of your care?
Book your FREE consultation or first visit: https://yourmovephysicaltherapy.janeapp.com/#staff_member/1
