Question 1

What is cash-based physical therapy?

Accepted Answer

In a cash-based treatment model, the physical therapy company does not enter into a contract with any insurance companies.  Instead, an agreement between the patient and provider is established in a manner that both parties have determined will help them reach treatment goals most efficiently. The patient pays at the time of service, allowing the therapist to focus attention on providing the best possible service while keeping administrative costs low.  You may pay for services using actual cash, a check, or a credit or debit card.  Cash-based billing eliminates an insurance company's control of the episode of care and allows the physical therapist to treat an individual more comprehensively.  This allows MBody You, LLC to prioritize patient care and experience, and allows patients to have a more active role in making decisions regarding their treatment plan and health care choices.
 
Most insurance companies will provide payment for "out of network" services.  MBody You, LLC is an out-of-network provider and can provide you with a superbill to submit to your insurance company for reimbursement.  Often times, patients have to pay a co-pay for PT visits multiple times per week.  Due to the time allowed, commitment, and expertise of MBody You, LLC physical therapy visits, patients typically will need to schedule appointments less frequent than your traditional, in-network physical therapy provider.

Question 2

How do I found out if my insurance covers out-of-network physical therapy services?

Accepted Answer

You can look at your Summary of Benefits or call your insurer.  See the PDF below for a "Out-of-network" guide and a worksheet to help you through your phone call.

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