Is it cheaper to pay cash than to use your insurance?  Maybe!

The demand for Cash-based Medical Services have increased as patients find themselves burdened by increasing costs for Insurance-based Medical Services.  Savvy patients are looking for creative ways to save money by paying cash for services.   Sounds counter-intuitive I know, but I found these interesting articles and was amazed to discover this trend is not new and building in momentum!
Is it cheaper to pay cash than to use your insurance? Maybe.

Carol’s Physical Therapy in Motion llc is a cash-based practice.  This means that your treatment does not get billed to insurance; you will pay for your treatment in full at the time of service.  In exchange, you get personalized care from an experienced Doctor of Physical Therapy for your entire visit, every time with proven results!  You get flexibility in scheduling and efficient and effective health care.

How does this save you money?  Many patients find better results in 3-6 visits in this personal one-on-one session when compared to an insurance-based clinic where a physical therapist (or assistant) will see you 2 to 3 times each week for 12 weeks or more.  Compare the costs of copays, co-insurance, time away from work, travel and more, and it’s a no-brainer! 

If you have private insurance (not federally funded) I can provide you with the information you need to file a “self-claim” for reimbursement for our work together.  You might also submit the claim to help meet your deductible for out-of-network services.  

In addition, my services qualify for Health Savings Account (HSA) deduction.

Direct Access laws of New Mexico provides another cost benefit by enabling you to receive services without referral from a physician, thereby avoiding that copay.  I will contact your physician if symptoms warrant. 

My journey as a provider and consumer of health care has taken me through many settings within the traditional Health Care system, working with patients from 0-100 years of age with multitudes of injuries and disabilities, developmental and acquired, chronic and acute.  It’s been a great journey!  One of the most persistent obstacles is navigating the requirements placed by insurance companies.  Not just payment issues, but prior authorization that might delay or interrupt care, limits to diagnostic procedures that can be ordered by your doctor, and limits on length or number of visits based on dollars rather than need.    

My mission is to provide better healthcare and better Customer Service to help you towards better life, better function, and better self-management of chronic symptoms. 

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