Is insurance-based PT really "cheaper" than paying out of pocket?
Well, let's do a little math.
On average, most of our plans of care are around 6-10 sessions, whereas insurance based clinics see people for an average of 16-20 visits.
Most people with insurance have an in-network deductible of at least $1,000. This means that you pay out of pocket each time you go to Physical Therapy until you hit that $1,000 mark.
Not to mention, the copay you'll have to pay for each visit that doesn't go towards your deductible. (copay could be $30-60 which is an average of $720 more on top of your deductible).
After all the math is said and done.. insurance-based PT is not always the cheaper option. Even if out-of-network feels more expensive up front.
In addition to financial cost, you have the time cost of PT sessions 2-3x per week and commute time to and from the PT clinic. Would you pay a $30-60 copay 3x weekly to only see your actual doctor for 15 minutes and then to be given the same basic paper exercise routine week after week with no progression? I sure wouldn't.