Physical Therapy

Why choose cash-based physical therapy?

 

The advantage of cash-based physical therapy is that Dr. Richards can give each patient her full attention, without the constraints of insurance requirements or the pace of a busy clinic. This allows patient-centered, customized care to remain the top priority. As her patient, you will receive compassionate, straightforward, and skilled treatment. Together, you and Dr. Richards can discuss a treatment plan that works for your body and your budget. With focused, one-on-one care, your time is used efficiently. While she cannot speed up the natural healing process, she can help maximize your recovery by empowering you to understand your body’s impairments, address the source of injury, and support healing.

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If I have insurance, can I get reimbursed?

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The main difference between out-of-network and in-network coverage is that, with out-of-network care, the patient submits the claim directly to their insurance company. Dr. Richards has a set rate that is paid upfront. After each session, she provides an invoice, also known as a superbill, that the patient can submit to their insurance company for possible reimbursement. The invoice includes all relevant business information, such as contact information and tax ID, along with the patient’s ICD-10 diagnosis code and CPT billing codes for the session. It also states that the visit has been paid in full and that any reimbursement should be sent directly to the patient. Reimbursement depends on each patient’s specific out-of-network benefits, which can vary widely by insurance plan.

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If I have insurance, why pay extra?

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Dr. Richards never wants finances to be a barrier to care. She understands that every patient has different budget considerations. In many cases, her services can be provided less frequently than traditional in-network physical therapy because much of the healing process depends on the patient’s understanding, consistency with home exercises, and awareness of their body. Spacing out visits can empower patients to take an active role in their recovery and may help reduce overall costs, especially compared with higher-frequency in-network visits that include copays. If you are motivated to get better, Dr. Richards wants to work with you. If cost is a concern, she encourages you to share that so she can discuss options that fit your financial situation.