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Dollars to Donuts: Why A Cash-Pay Physical Therapist Is Worth It

In need of visiting a physical therapist? Without thinking twice about it, many patients automatically limit their search to in-network physicians. Sure, sites like ZocDoc have made it easier than ever to match with a doctor based on price. But what about based on needs? When it comes to physical therapy, you’re going to want to build a relationship with a therapist you trust to get you back on the road to health. 

Pelvic floor therapy can be even more niche. That’s right, we said it. A lot of times patients come to us because they’re experiencing pain or symptoms in their pelvic area. Naturally, it feels like a vulnerable thing. Think: sitting bone pain or incontinence after birth. Not usually something our patients want to search far and wide to find the right answers for. 

A pelvic floor therapist is uniquely trained to help identify the root cause of an issue and provide long-term solutions in a way other physicians often can’t. So if you’re thinking about seeing a pelvic floor therapist, don’t limit your options. Here are three reasons why cash-pay therapists shouldn’t scare you off. 

#1. Fewer Patients, More Attention

For a practice to be in-network with insurance companies, it means they’re agreeing to specific rates. Which sometimes means the practice is not making as much money as they need. To counteract that, oftentimes practices will load up on patients to make as much profit as possible. 

It’s business, we get it. However, the consequences usually fall on patients.

If your physical therapist is double to triple booking, the amount of time they have to spend with you dwindles. A study in 2023 found the average doctor was spending 13 to 24 minutes with a patient. That’s not a huge amount of time to figure out the root source of your issue or the correct solution for it. No wonder only a third of patients said they were able to reach their doctor any time they needed in another study from last year.  

At Moment of Truth, our team is dedicated to taking on an appropriate amount of patients. By maintaining a cash-pay business, we’re able to spend more time focusing on everyone who comes to see us. You can book a 60, 90, or 120-minute session with us – and the whole time we’ll be focused solely on you. 

Our clients have confidence knowing they can reach us anytime they need to. From giving out our personal phone numbers to minimizing hoops to jump through to schedule appointments, Moment of Truth is founded on the ability to provide our patients with the attention they need. Whether we’re providing manual therapy, giving you exercises or helping you stretch, you’ll never be shifted to another tech or trainer. Your entire session is with your physical therapist. We listen to your needs and goals, and we base our plan of care completely around that.

#2. More Effective Therapy Saves You… A Lot

Let’s be honest, you’re busy. From juggling work to family to friends to self-care and beyond, it is never easy to take a break from life to visit a physical therapist. Let alone doing it more than once a week. 

Traditional physical therapy often requires patients to come in for 60-90-minute sessions two or three times a week. That requires taking time off of work, away from family, finding childcare, commuting to their business, taking more energy, and of course, making your copayment each visit. Currently, the average copay is $25-50. That’s easily $100 or more per week. Don’t even get us started on high deductibles.

“Insurance coverage for physical therapy has declined significantly over the past 5 years, thus dramatically reducing physical therapy practice profit margins,” June Srisethnil, a physical therapist and a board-certified orthopedic clinical specialist (OCS) recently explained to Forbes. “As the cost of doing business has increased, the cost per physical therapy session before insurance has increased nationwide.”

At Moment of Truth, our patients typically see consistent progress from coming in once a week for either a 60 or 90-minute session. Each patient is different, but they usually report significant changes in symptoms after just 3-6 sessions. This saves them time, money, and stress knowing they’re able to seek treatment without it overtaking their entire week. 

#3. You Can’t Put a Price on Freedom

In many states, patients need a prescription from their doctor just to see a physical therapist. Then once you have the referral, the therapist is limited to what areas can be addressed at each session. So if your referral says your lower back hurts and your doctor thinks it could be stemming from a pelvic floor issue, they’re not actually allowed to dig into the root source, leaving you wondering if that was totally worth the copay…

At Moment of Truth, we’re free of insurance-based regulations. Our expert therapists address whatever area is creating symptoms and can investigate the underlying issues to help alleviate problems more permanently and effectively. 

For example, we had one patient who would come in for treatment on their lower back and sciatic pain. During one session, they arrived with a splitting headache. Rather than sending them on their way, we had the freedom to determine what could be causing their head pain and give them a solution that addressed it. We can do that at any given appointment. Now that’s a little more bang for your buck, right?

Think Outside the In-Network Box

Going with a physical therapist that’s in-network has always been the traditional way to approach healthcare. But with rising copays and falling service time, is the traditional way something to be upholding?

We started Moment of Truth to build relationships with our clients that build on what they need, improve their ability to enjoy life and help them reach goals that we will set together. By giving them the ability to take charge of their health, they have more confidence, independence, and success managing pain without the fear of medications or everlasting reliance on doctors. 

If you want to see what a healthy, active life free from restrictions could feel like, check out our option for a $39 discovery visit. We know it can be hard to take the leap into something new, so a discovery visit can offer patients the ability to learn more about pelvic physical therapy and myofascial release, feel heard, and understand what’s going to happen when they come in for their first session with our experts. Not to mention, it’s cheaper than a copay. 

Still thinking about taking that in-network physical therapist? We didn’t think so. Schedule your appointment with Moment of Truth today. And in case you’re still wondering about the donuts, yes we’ll have some. In fact, we’ll bet you dollars to donuts you won’t be sorry you came in.

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