Why do we not accept insurance?

The effectiveness of self-payment for treatment rendered versus utilizing insurance plans can depend on various factors, and it's not universally true that one option is always more effective than the other. However, there are several reasons why some individuals may find self-payment for physical therapy and chiropractic more advantageous in certain situations:

Flexibility in Choosing Providers:

• When you choose to self-pay, you have the flexibility to choose any physical therapy provider without being restricted to those within your insurance network. This can be particularly beneficial if you have a specific therapist or clinic in mind that may not be covered by your insurance.

No Preauthorization or Referral Requirements:

• Insurance plans often require preauthorization or a referral from a primary care physician before covering physical therapy sessions. Self-payment eliminates these administrative steps, allowing for quicker access to treatment.

Avoiding High Deductibles and Co-payments:

• Some insurance plans have high deductibles or significant co-payment requirements for physical therapy services. In certain cases, the out-of-pocket costs for self-payment may be comparable or even lower than what you would pay under insurance coverage.

Unlimited Sessions:

• Insurance plans may limit the number of covered sessions for physical therapy. If you require more sessions than what is covered, self-payment allows you to continue treatment without worrying about exceeding insurance limits.

No Denial of Claims or Appeals:

• Insurance claims may be denied for various reasons, leading to the need for appeals and delays in reimbursement. With self-payment, you avoid the potential challenges associated with insurance claims and appeals.
• You can submit your bills provided by us to your insurance company and try to receive reimbursement for out of net work treatment. Ask us for your Superbly.

However, it's important to note that the decision between self-payment and insurance coverage is highly individual and depends on factors such as financial considerations, personal preferences, and specific health insurance plans.