What cash-based PT means for you

In a cash-based model, you pay a simple, transparent fee for each visit instead of billing through insurance. You can still submit receipts to your insurance for possible out-of-network reimbursement, but your care is never dictated by visit caps, authorizations, or billing codes.

This allows your physical therapist to focus entirely on what will get you better, not what an insurance company will approve. Sessions can include the full range of evidence-based treatments you need, even when they are not typically covered in traditional insurance-based clinics.

At Fenix Physical Therapy, you can expect:

• One-on-one 60-minute sessions with a Doctor of Physical Therapy, every visit, with no hand-offs to techs or aides.

• Faster access to care, often with appointments available much sooner than busy in-network clinics bound by insurance paperwork.

• Personalized treatment plansthat can include orthopedic rehab, functional dry needling, instrument-assisted soft tissue mobilization (IASTM), and performance training as clinically appropriate.

• Transparent pricingwith no surprise bills, deductibles, or denied claims—just clear, up-front costs you can plan for.

• Fewer total visitsin many cases, thanks to longer, more focused sessions and better continuity with the same therapist each time.

Is cash-based physical therapy right for you?

Cash-based care is a great fit if you:

• Want a higher level of individualized, hands-on care than you’ve received in traditional clinics.

• Are frustrated by limited visits, rushed appointments, or constantly changing providers.

• Have a high deductible, limited PT coverage, or prefer to use your HSA/FSA funds with full price transparency.

• Value performance, long-term durability, and getting to the root cause—not just checking a box for insurance