Your care comes first. Every session is one-on-one with a Doctor of Physical Therapy, giving you undivided attention and treatment designed around your specific needs and goals. All of our patients, whether using insurance or private pay, receive high-quality, personalized care focused on long-term results.
Private pay offers added flexibility when insurance places limits on visit length, frequency, or the types of treatment covered. Choosing this option allows you to receive the most effective care without restrictions, while insurance-based care still provides excellent treatment within your plan’s coverage.
No matter which path you choose, our commitment remains the same: helping you recover faster, stay healthier, and reach your goals with expert, individualized support.
Insurance vs. Private Pay: What You Need to Know
Insurance can be an important tool to help cover the cost of physical therapy. However, insurance companies often determine how many visits are “allowed,” what treatments will be reimbursed, and when care should stop. Their standard is to restore patients to a “functional” level, meaning just enough to get through daily activities. This can leave many people discharged before they feel fully recovered or confident in their abilities.
That’s where private pay care comes in. With cash-based PT, you are not limited by what insurance considers “good enough.” Instead, you can continue working toward your goals, whether that’s competing at a higher athletic level, returning to recreational activities without pain, or simply feeling stronger and more resilient in everyday life. Private pay allows you to pursue the recovery you truly want, not just the recovery insurance is willing to cover.
More freedom, more effective treatments, and faster results.
Why Private Pay Can Be the Better Choice
Private pay physical therapy gives you more freedom and flexibility than insurance-based care. Instead of being limited by visit counts, treatment types, or early discharge, you and your therapist decide what’s best for your recovery.
Focused care, every session — Always one-on-one with a licensed Doctor of Physical Therapy.
Access to advanced techniques — Including treatments not always covered by insurance.
Fewer visits, better results — Targeted care often means progress in less time.
Designed around your goals — Whether that’s returning to sports, reducing chronic pain, or building long-term strength.
Paying Made Simple
Use your benefits your way — FSA and HSA funds can be applied toward private pay sessions.
No hidden surprises — One flat rate, clearly explained before you start.
Often more cost-effective — Private pay ensures you know exactly what you’re investing in your health.
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