Let us help you make an informed decision on self pay vs insurance.
Healthcare Expenses Simplified!
To take out the confusion of insurance based care, Dynamic Physiotherapy has designed and implemented a consumer driven self-pay option for you to know exactly what service you are paying for and how much it will be.
We believe as consumers, you deserve the right to choose top quality physical therapy care at an affordable price and still remain in control of your treatment choices.
At Dynamic, we make it simple to access one of our experienced physical therapists with with flexible online scheduling that meets the needs of your busy schedule. You can see one of our physical therapists for your aches and pains without the referral from a physician, which can save you time and money.
Tired of trying to figure out your medical bills? Unsure of your insurance in- and out-of-network benefits, deductibles, co-pays, and the codes your practitioner charges?
This often makes it almost impossible to determine what your per visit costs or final bill will be...
At Dynamic Physiotherapy, our prices are always transparent and your plan of care is determined by what will give you the best possible results in the shortest amount of time. You will be provided the cost of your initial visit prior to your appointment, and payment is made at the completion of your visit. Any form of payment is accepted including cash, check, credit card and even your Health Savings Account (HSA)/Flexible Spending Account funds.
Do you ever feel like you get bounced around from specialist to specialist, without anyone addressing your specific needs?
Unfortunately, in today’s healthcare environment insurance requires specific codes for different conditions and will only allow certain providers to treat specific conditions. Hospitals are bound to specific contractile agreements between the hospital and insurance company.
At Dynamic, our prices are always transparent and your plan of care is determined by what will give you the best possible results in the shortest amount of time. Take a look at some of our Patient Driven Testimonials!
At Dynamic Physiotherapy we believe in being YOUR Physical Therapist where we can provide all of YOUR care dependent upon YOUR needs. Our team of experienced therapists will provide the most up to date treatment to address your pain, range of motion, injury, preventative or performance goals. We educate you about your problem so you can implement your home exercises in a safe and effective manner and work with your other healthcare providers in transitioning you back to your goals.
Can I still use my insurance?
Most patients can get “out of network” reimbursement for their treatment. This process is similar to all other forms of insurance such as car and home owner’s insurance. If you have hail damage on your car you take the car into the repair shop and pay for their work and then submit the bill to insurance for your reimbursement.
At Dynamic we will provide you with a “super-bill”, which contains the necessary information for reimbursement of your treatment. We encourage all of our clients to contact their insurance company to ensure they have all the proper forms and have provided you with a few pointers on how to contact your insurance company regarding your benefits.
Once we have received and completed the appropriate forms for you, you can submit this for reimbursement directly back to you. The amount of reimbursement is completely dependent on your health insurance plan and reimbursement policies.
As the insurance industry is trending towards increased co-pays, cost-sharing plans and higher deductibles, our self-pay option is a less-expensive alternative to billing insurance. Your initial reaction may be that our self-pay method will cost you more money out-of-pocket, but our model will actually save you money, while still providing you with high quality physical therapy care. Here’s an example on HOW:
Insurance Model at a Standard PT Clinic
Cost for one session of skilled therapy services: $300*
- Deductible: $5000 The amount of money you must pay out-of-pocket before coverage kicks in. Deductibles are usually set at rounded amounts ($5,000). If the patient has procedure performed for $300 and the deductible is not met, the patient is responsible for $300 in costs.
- Coinsurance: 20% The amount of money you owe to a medical provider once the deductible has been paid. Coinsurance is usually a predetermined percentage of the total bill. If the policy’s co-insurance is set at 20% and the bill comes to $100, the policy-holder owes $20 in co-insurance.
A Cost Comparison of Physical Therapy sessions between Insurance based model of care and Self-Pay Model:
Insurance Based Model Costs Self-Pay Model Costs
|Session 1||$300||Session 1||$110|
|Session 2||$300||Session 2||$75|
|Session 3||$300||Session 3||$75|
|Session 4||$300||Session 4||$75|
|Session 5||$300||Session 5||$75|
|Session 6||$300||Session 6||$75|
Additional elements to consider when choosing your model of treatment:
Insurance Model Dynamic PT
|Average 1 on 1 Time with PT||15 minutes/session(2-3 hours total)||45 minutes/session (5-6 hours total)|
|Average Number of Weekly Visits||2-3x weekly||1-2x weekly|
|Duration of PT care||8-12 weeks||4-6 weeks|
In summary, if you are looking for help with a current musculoskeletal problem or are looking to make safe changes in your fitness and health, Dynamic Physiotherapy is an affordable option for you to do so. Our team of experts can help you recover from your pain or injury or work with you preventatively to help feel your best. If you have questions about how we can help you or questions about our self-pay model, contact us at email@example.com.
Pricing based on the www.fairhealthconsumer.org public listing. Theses prices may vary based on hospital/clinic systems.
Interested in using your insurance?
Please call 608.351.3049 to schedule your appointment
Interested in self pay? Schedule Your Appointment here!