Why we don’t take insurance
Why don’t you take insurance? There are a handful of reasons. I get asked this all the time. My main reason is that I am ultimately able to provide you with better care. Cash pay practice allows me to see you at the rate and the frequency that I believe your problem dictates rather than what insurance will cover. I am able to incorporate treatments that I feel like you will benefit from rather than what is dictated by insurance. I am able to work on prevention care, maintenance care and rehab. I am able to spend more time with you and less time doing paperwork. My quality of life is better, my rate of burnout is less and thus my ability to deliver care to you is better.
It might actually be cheaper for you. A lot of people are on high deductible plans these days, which means you are responsible for all your costs up front up to a certain point. This means that if you go to a clinic that takes insurance, you will likely be paying the amount that they bill to insurance -- which is much higher than my cash rate. You might end up paying this for the entire treatment cycle depending on what your deductible is.
If you don’t have a deductible- you might have a copay which you are responsible for.
By the numbers
People who don’t have insurance.
This is an easy choice for you. A cash pay clinic will always be cheaper than a clinic who typically bills insurance.
People who have a high deductible
The cash pay rate will likely be cheaper-- or at least similar and you will get substantially more one-on-one care
People who have traditional insurance with a copay
Copays range between 20-50 dollars depending on the type of insurance
Typically get seen 2-3x a week for 4-6 weeks (that can really add up)
With one-on-one skilled care- usually get people back to normal with fewer visits over a shorter period of time for roughly the same amount of money
People who have good out of network coverage
If your insurance plan has good out-of-network coverage, cash pay might be a great option for you.
This type of coverage will allow you to submit Superbills (which Pinyon PT can easily generate) to your insurance in order to get reimbursed for some or all of your PT costs in the cash pay setting.