Have You Heard of Cash-Based, Fee-for-Service, or Out-of-Network Physical Therapy?
If you are searching for holistic orthopedic and pelvic floor physical therapy in Sidney, Ohio, look no further. Perhaps you may have come across the terms “cash-based,” “fee-for-service,” or “out-of-network” physical therapy services. If you have ever wondered what these terms mean and how they may benefit you, you are not alone. Many providers are shifting to this model to prioritize patient-centered care, eliminate insurance restrictions, and offer more effective, personalized treatments.
What Is Cash-Based Physical Therapy?
Despite the name, you do not need to pay in cash. In a cash-based physical therapy model, clients pay their provider directly at the time of service, rather than relying on an insurance company to determine coverage. Payments can be made using a credit or debit card, Health Savings Account (HSA), or Flexible Spending Account (FSA). Clients may also submit their receipts (Superbills) to their insurance provider for potential reimbursement if they have out-of-network benefits.
For those seeking pelvic floor therapy, preconception wellness, postpartum recovery, or holistic orthopedic care, this model ensures you receive the highest level of one-on-one, customized care without insurance restrictions limiting treatment methods or visit frequency.
Limitations of Insurance-Based Physical Therapy
Many individuals assume that going through an in-network insurance provider is the most cost-effective way to receive care. However, traditional insurance-based physical therapy has several limitations that can impact your results:
- Your condition may not be covered – Many insurance companies do not cover pelvic health, preventative care, or return-to-sport rehabilitation.
- Higher costs per visit – Insurance-based therapy often bills per 15-minute unit, leading to higher overall costs, typically $300-$500 per session.
- Restricted number of visits – Insurance companies, not the provider, determine how many visits are “approved.”
- Limitations on treatment methods – Techniques such as dry needling, cupping, preventative care, and advanced manual therapy may not be covered, even if they are beneficial for your condition.
- Divided attention from your provider – Many in-network clinics require providers to see multiple patients at the same time to maximize insurance reimbursement, reducing your one-on-one care time.
Why Choose Cash-Based Physical Therapy in Sidney, Ohio?
At Holistically Well, we believe in providing a whole-body, root-cause approach to healing, free from insurance-driven limitations. Our holistic orthopedic and pelvic floor physical therapy services prioritize:
✔️ One-on-one, uninterrupted sessions with an experienced physical therapist
✔️ Personalized treatment plans based on your individual needs, not insurance codes
✔️ Advanced treatment techniques including dry needling, myofascial release, manual therapy, neuromuscular re-education and corrective exercise
✔️ Whole-body care integrating core, hip, spine, and pelvic floor rehabilitation (no jumping from provider to provider for different body parts!)
✔️ Focus on prevention and long-term wellness, not just short-term symptom relief
Cost Comparison: Insurance-Based vs. Cash-Based Physical Therapy
Let’s break it down:
- A traditional insurance-based physical therapy visit may be billed at $300-$500 for a 45-60 minute session, with insurance determining how much is owed out-of-pocket.
- A cash-based physical therapy session with our clinic is only $150 per 60 minute visit, with the added benefit of personalized, high-quality care and no unexpected billing surprises.
If your insurance plan requires you to pay 20% of your therapy bill, would you rather pay 20% of $500 or 20% of $150? The choice is clear.
How to Submit for Insurance Reimbursement
If you have out-of-network benefits, you may be able to submit a Superbill to your insurance provider for partial reimbursement. Here’s how:
- Call your insurance company (using the number on the back of your card) and ask about out-of-network reimbursement for physical therapy. Inquire about coverage for chronic conditions, pelvic health, and holistic rehabilitation.
- Request a Superbill from your physical therapist, which includes the treatment codes required by insurance companies.
- Submit your Superbill via your insurance provider’s website, through their claims portal, or use a third-party service like Reimbursify for assistance.
Note: Medicare does not reimburse for out-of-network physical therapy unless the service is unavailable in-network. For example, preventative wellness-based care is typically not available in-network. Once clients have graduated from skilled physical therapy, wellness consults are a great way to continue proactive care.
Who Can Benefit from Cash-Based Physical Therapy?
This model is ideal for individuals seeking:
- Pelvic floor therapy for pain, leakage, prolapse, or postpartum recovery
- Preconception care to optimize movement, core strength, and overall function before pregnancy
- Postpartum rehabilitation to address diastasis recti, pelvic pain, or C-section recovery
- Holistic orthopedic care for back pain, hip pain, sciatica, and movement dysfunctions
- Athletic performance recovery for runners, weightlifters, and active individuals
If you are looking for physical therapy in Sidney, Ohio, that prioritizes your needs, movement goals, and long-term well-being, cash-based PT provides a better way to heal and thrive. We are grateful to be a resource here at Holistically Well Physical Therapy, founded by Dr. Kayla Borchers.
Schedule Your Appointment
We are currently accepting new physical therapy clients in our Sidney, Ohio location, as well as offering virtual Physical Therapy services for Ohio residents.
Interested in preventative care and holistic wellness consults? Holistic Wellness Consultations are available nationwide, focusing on lifestyle strategies to prevent pain and optimize movement before dysfunction occurs.
📍 Schedule your free 15-minute consultation today. Let’s discuss your needs and see how holistic physical therapy can help you.
At Holistically Well, we believe in treating the whole person, not just the symptoms. If you are looking for high-quality, patient-centered physical therapy in Sidney, Ohio, without limitations of insurance, our model allows for the best possible care.
Contact us today to start your journey to better movement, less pain, and long-term wellness.
