Should I Consider Paying out of Pocket for Physical Therapy?

Should I Consider Paying out of Pocket for Physical Therapy?

August 29, 2022

Considering paying out of pocket for physical therapy in Huntington, NY? This article written by our team might be able to help you make a decision.

If you are someone who has considered physical therapy for any number of reasons, it is likely that you did your research on a variety of clinics that are different from one another. Whether it be the size of the clinic, the location, how many therapists are actively working there, what their specialties are, or, more importantly, do they even take my insurance? Insurance is a tricky topic that can take a lot of turns depending on the nature of the subject. But those in need of care often opt for clinics that take their insurance without hesitation before considering the potential benefits of seeking a clinic that is out of network with most major insurances. Universus Physical Therapy in Huntington NY is a premium PT clinic that is out of network with most major insurances for many reasons, the most important being the level of care provided.

Our team knows researching for the right physical therapy clinic can be daunting, as it is an important decision to make. That’s why we formulated some critical frequently asked questions to help you through this process. If you or someone you know is in need of physical therapy in Huntington NY, our team at Universus PT & Wellness is here to help you end your pain and discomfort and help you begin anew. Some of our most common FAQs include:

Do You Take My Insurance?

We work with some insurance companies, but not all. The only company we are in-network with is Medicare (this means we accept payment from Medicare- you would be responsible for the 20% that they do not pay for unless you have secondary insurance that we accept). For all other commercial insurance companies, we would have to call and obtain eligibility for benefits on your behalf to decide if we can work with them on an out-of-network basis. This is very specific to each person’s plan. We do a courtesy benefits and eligibility check and will explain everything to you at the time of your FREE consultation (a.k.a. Discovery Visit).

Why Do You Only Take Some Insurance, But Not All?

The reason we have opted to only work with Medicare is that Medicare is a Federally funded program and they are still paying practitioners fair market compensation. The same is not true for commercial insurance companies. Over the last 10 years, commercial insurance companies have been increasing premiums and reducing payments to Physical Therapists. In order to continue to stay in business, most PT practices were forced to see more patients in the hour in order to make up for the loss. At some practices, the Physical Therapist sees 3-4 patients at the same time. The thing that gets sacrificed with this model is the QUALITY of care. At Universus Physical Therapy we are completely against this type of model. It does a disservice to the patient and it does not allow for Physical Therapy to be practiced at its highest level.

Can You Work With Me If I Do Not Have Insurance?

Yes, absolutely. We will give you a specific breakdown of exactly what you would owe us per session after your plan of care has been developed. We will let you know exactly how many sessions we recommend for your specific problem and what the cost will be out of pocket.

Is Physical Therapy at Universus Expensive?

I am sure you have heard the saying, “you get what you pay for”. If you have read the answers to the questions previously you have probably gathered that we are a very different type of practice. Our focus is on getting you back to doing the things you love and value. We have Doctors of Physical Therapy (not inexperienced aides) working one-on-one with you for 45 minutes. You will see change and that is the point. The people we have helped will tell you that the expense of the kind of PT we provide is well worth it. Whether something is expensive is very subjective from one person to the next. We are priced at what we are worth. We can get you specifics on the cost once we have reached out to your insurance company and figured out what they are willing to contribute. We also offer payment plans so that we can work with just about anyone at the frequency that they can afford the payment.

What Is The Difference in Quality of Care at Universus Physical Therapy?

The biggest and most obvious difference is that we only book ONE patient every 45 minutes. We also only see ONE patient at a time in a private treatment room. Your Physical Therapist is with you the entire session. This is very different from most places you might have been to. We are cueing you and coaching you on the proper way to do all the very specific exercises we have prescribed. We are also all trained in manual therapy. This means that we are doing massage, manipulation, hands-on stretching, etc., depending on what is needed for your specific case. We do not EVER use “cookie-cutter” programs. Your program is 100% individualized and has been designed just for you and your issues.

Why Choose Universus Physical Therapy in Huntington, NY?

Universus PT & Wellness is a boutique clinic conveniently located in Suffolk County, New York in the historic town of Huntington. We take pride in being unique from our competitors. We believe that the high level of care we provide is the difference maker for our patients who have tried other clinics in the past. We are passionate about providing a truly unparalleled experience and giving patients the tools they need to be successful when they leave our clinic. Our decision to take a different approach to care, by opting out of network for most major insurances, has allowed us to provide the highest quality of care possible. If you are interested in learning more about our services and would like a FREE consultation (a.k.a. Discovery Visit), then simply visit our website or give us a call at (631) 533-2888. We look forward to seeing you walk through our doors soon! 

Request An Appointment

Please fill out this form and
we will contact you about scheduling.