WHAT IS CASH-BASED PHYSICAL THERAPY?

In a cash-based treatment model, the physical therapist enters into a contract with the patient to provide physical therapy services in a manner that both parties have determined will help them reach treatment goals most efficiently. Patients pay in advance or at the time of service, allowing the therapist to focus on providing the best possible care while keeping administrative costs low. While this model is called cash-based, you are not limited to cash payments. We accept cash, credit, debit, checks, Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), and Health Reimbursement Accounts (HRA).

Cash-based billing eliminates the complexity of insurance-driven coding systems, creating clarity for both patients and providers. Documentation for evaluations, treatments, and progress notes are performed just as in any physical therapy practice and complies with all legal and ethical requirements.

DOES INNER STRENGTH ACCEPT ANY INSURANCES?

Yes! Inner Strength operates on a unique model blending cash-based care with limited insurance credentialing. To serve a broader range of patients, we are credentialed with Medicare, TRICARE, and the VA. If you are covered by these insurances, we can bill them directly for your care.

For all other insurances, we are a non contracted out-of-network provider. This allows us to focus on personalized care without the limitations often imposed by insurance companies. Patients not covered under Medicare, TRICARE, or VA are required to pay at the time of service, but we will gladly provide an itemized superbill to submit to your insurance for potential reimbursement. Treatment packages are also available for added convenience and affordability.

INNER STRENGTH PHYSICAL THERAPY IS AN OUT OF NETWORK PROVIDER - WHAT DOES THIS MEAN?

This simply means that the therapist has not entered into a contract with any individual insurance companies to receive reimbursement based on their contracted rates. There are many insurance companies, each with their own contracted rates and regulations, and Inner Strength chooses focus on what is best for the patient and not be limited by what insurance thinks is best. It is important to note that in network provider status is not based on education, experience, skills, or treatment outcomes, but is often determined by the number of providers in a demographic area.

CAN I BE REIMBURSED BY MY  INSURANCE FOR CASH-BASED PHYSICAL THERAPY SERVICES?

Many insurance companies, excluding Medicaid, and some HMOs, allow reimbursement for out-of-network services. Patients pay upfront for their care, and the insurance company reimburses the allowable amount based on the patient's specific policy, or in some cases that amount is applied towards the deductible.

To make this process seamless, our patient advocate will happily assist you with submitting claims to your insurance company. We provide all necessary documentation, so you don’t have to handle the paperwork alone.

HOW IS MY PRICE DIFFERENT FROM INSURANCE BASED CLINICS?

At Inner Strength, your out-of-pocket costs may be lower than those at insurance-based clinics. This is because we are able to charge less per visit without the overhead costs of billing personnel or third-party services. Our simplified fee structure ensures transparency and allows us to focus fully on patient care and allows patients to make informed decisions regarding the costs of their health care.

WHAT STEPS ARE INVOLVED IN SUBMITTING A PATIENT PAID CLAIM TO MY INSURANCE COMPANY?

Inner Strength has a patient advocate on staff to assist patients in the reimbursement process from start to finish. The process is actually quite simple: Inner Strength will provide you with an invoice at the time of service, you may choose to submit that invoice, along with your receipt of payment for said service to your insurance company for reimbursement. The invoice has all of the necessary information (business name and address, tax ID, national provider identification, license numbers, etc.) as well as the patient’s ICD-10 (diagnosis) and CPT (billing) codes. You may choose to submit bills following each visit, one time per month, or at any other interval, typically up to one year following your treatment visit.