Why we do not take insurance
We offer Cash-based Physical Therapy / Out-of-Network Coverage
Valence Massage and Physical Therapy is a very small business, and has opted to avoid the expense and hassle of signing contracts with insurance service providers. This allows me to offer maximum patient care for a cost far lower than most physical therapists. I am passionate about providing all people with the services they need, regardless of their income and insurance access. Patients pay directly either at the time of booking or right after receiving care, this is what is meant by “cash-based physical therapy.”
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Insurance complicates the physical therapy process and the patient-provider relationship in many ways. Most plans have Co-pay amounts ($20-$60) and only allow a small number of visits (4-12 depending on policy and condition). Insurance will only pay for certain types of services, some exclude massage or manual therapy, or pay only a fraction of the cost. Insurance will often cap how much of any service a person can receive, and will even deny payment if they decide a service is unnecessary.
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With the Cash-based approach, all of these decisions are made as a partnership between you and your PT. What’s more, the total cost is often lower as there is no need to follow the insurance plan’s protocols when you factor in deductibles, co-pays, and excessive billing. You get exactly how many sessions you need, exactly the services that will help you most, and all of that money goes to support local business and keep my doors open.
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Some Insurance plans have Out-of-network benefits, which could help you use your plan even with providers who opt-out of signing contracts. Here is how that works:
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Payment is provided to your PT the day you receive therapy.
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After the appointment, you submit a claim to your insurance company for reimbursement to get access to your out-of-network benefits. I can provide a “Super Bill” which contains all the numbers and information most insurance companies require.
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The Insurance company will review your claim and send you a check based on whatever portion of the service is covered by your plan. Plans vary, a lot, so it is always a good idea to read through your plan and see to what you are entitled.
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After applying their deductibles, co-pays, and caps, you receive the remaining amount.
If for any reason you cannot afford therapy, please reach out to me by email, phone, or text. I will do whatever I can to make my rates affordable at any income.