Whether you don’t have insurance, have a high deductible, or simply prefer to pay directly for your care, private pay offers a flexible option. Learn about our private pay services, pricing, and what to expect.
What is Private Pay?
Private pay means paying directly for your physical therapy services instead of billing your health insurance.
Many patients choose this option because it offers flexibility, avoids insurance restrictions, and allows them to begin care without worrying about network requirements or visit limits. Our team is happy to discuss whether private pay is the right choice for your situation.
Why choose Private Pay?
Private pay may be a good option if you:
- Have a high deductible
- Have limited physical therapy visits through your insurance
- Have out-of-network insurance benefits
- Do not have health insurance
- Prefer not to bill your insurance
- Want flexibility in your treatment plan
Regardless of how you pay, you’ll receive the same high-quality, personalized care from our licensed physical therapists.
Private Pay Pricing
Our current private pay rate is:
$60 per 20-minute visit
The number and length of visits recommended will depend on your condition, goals, and your therapist’s clinical evaluation.
If you’d like to discuss treatment costs before your first appointment, our team is happy to answer your questions.
What to Expect
Your first appointment includes:
- A comprehensive evaluation
- A discussion of your symptoms and goals
- A personalized treatment plan
- Recommendations for the frequency and duration of care
Your treatment plan is based on your individual needs and progress, not insurance limitations.
Good Faith Estimates
If you do not have health insurance or choose not to use your insurance, federal law gives you the right to receive a Good Faith Estimate before receiving scheduled healthcare services.
A Good Faith Estimate outlines the expected cost of your care based on the information available at the time it is created.
Learn more about your rights or request an estimate by visiting our Good Faith Estimate page.
Why choose Optimum Therapies?
At Optimum Therapies, our focus is helping you move better and live fully. Whether you’re using insurance or paying directly, you’ll receive individualized care from experienced physical therapists who take the time to understand your goals and create a treatment plan that’s right for you.
Frequently Asked Questions
Can I receive physical therapy without insurance?
Yes. Many patients choose private pay for their physical therapy, whether they don’t have insurance or simply prefer not to use it.
Can I use my HSA or FSA?
In many cases, yes. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can often be used for eligible physical therapy expenses. Check with your plan administrator for details.
Is private pay right for me?
Private pay may be a good option if you have a high deductible, limited therapy benefits, out-of-network coverage, or simply want the flexibility of paying directly for your care.
Will I receive the same quality of care if I pay privately?
Absolutely. Every patient receives the same personalized evaluation, treatment plan, and high-quality care regardless of how they choose to pay.
Can I request pricing before my appointment?
Yes. Our team is happy to discuss private pay pricing and answer any questions before you begin treatment.