What does Cash Pay mean when receiving physical therapy treatment?
The Physical Therapist is able to treat any body part without restriction by the client’s prescription or their insurance companies. What is treated is up to the discretion of the patient and the therapist.
Physical Therapy sessions are not limited in treatment minutes. Insurance companies limit how long each appointment lasts, based on contractual agreements.
Physical Therapy appointments emphasizing Wellness or Preventative Services are not usually covered by insurance companies.
*** The American Physical Therapy Association (APTA) defines wellness as:“a multidimensional state of being describing the existence of positive health in an individual as exemplified by quality of life and a sense of wellbeing.” Furthermore, the APTA believes that “physical therapists are uniquely qualified to assume leadership positions in efforts to prevent injury and disability, and fully supports the positive roles that physical therapists and physical therapist assistants play in the promotion of healthy lifestyles, wellness, and injury prevention.”
The Physical Therapist can accept HSA cards as payment for services, or give you a receipt to submit to your insurance company for reimbursement.
The Physical Therapist providing a cash pay service cannot accept Medicare patient, per federal law, unless the treatment is not covered by Medicare (trigger point dry needling; wellness or preventative services).
Always check your insurance contract to KNOW YOUR RIGHTS regarding cash pay therapies.