If you’re exploring physical therapy options, you’ve likely come across the terms “cash pay” or “cash-based” physical therapy. At MKE Physical Therapy, we call it Direct Physical Therapy, or Direct PT, meaning that there is no middleman between you and your healthcare provider. In practice, this new paradigm in healthcare enables simplified billing, lower cost, better care with longer sessions, and better results. Take a look at our reviews to read real success stories from real patients.
One of the most common questions we receive is about cost – and rightfully so! Healthcare expenses can be significant, and understanding what you’re paying for is essential.
Understanding Direct Physical Therapy Costs
At MKE Physical Therapy, our direct-pay model offers transparent pricing that actually saves most patients money compared to traditional insurance-based services. Here’s a breakdown of what you can expect:
Our Pricing Structure:
- Initial Sessions: $245 (includes comprehensive evaluation and treatment)
- Follow-up Sessions: As low as $165 with a plan of care package
- Session Length: 60+ minutes of dedicated, one-on-one care
How This Compares to Insurance-Based PT
Many patients are surprised to learn that direct physical therapy can be more affordable than using insurance.
| Service | Traditional Insurance-Based PT | MKE Physical Therapy |
|---|---|---|
| Evaluation | $388 (Does not include treatment) | $245 (60+ min, includes treatment) |
| Therapeutic Exercise | $248 | Included |
| Manual Therapy | $178 | Included |
| Follow-up Visit (15 min) | $670 | as low as $165 depending on package |
| Total Estimated Cost | $7,514 | $1170 to $1750 |
The Total Cost Difference
- Traditional Insurance-Based PT: Approximately $7,514 for a typical course of treatment (2x per week)
- MKE Physical Therapy: $1,170 to $1,750 for a 6-10 visit plan of care
Why Cash-Based PT Is Often More Affordable
- Fewer Total Visits: Our comprehensive 60+ minute sessions mean we can accomplish more in each visit, reducing the total number of sessions needed.
- No Hidden Costs: With insurance-based PT, you’re often charged separately for each individual service (evaluation, exercises, manual therapy). At MKE Physical Therapy, everything is included in one transparent fee.
- Avoiding High Deductibles: Many insurance plans have high deductibles that must be met before coverage begins. For many patients, they end up paying entirely out-of-pocket anyway – often at higher rates than our direct pricing.
- Better Outcomes: With longer, more thorough sessions and personalized care, our patients typically achieve their goals faster, further reducing the total cost of care.
Beyond Cost: The Additional Benefits
While cost is important, there are other significant advantages to our direct PT model:
- Personalized Attention: Each session is dedicated entirely to you – no juggling multiple patients
- Expert Care: Your treatment is provided by a Doctor of Physical Therapy
- No Restrictions: We develop your treatment plan based on your needs, not insurance limitations
- Flexibility: More appointment options and scheduling flexibility
Is Cash-Based PT Right for You?
Direct physical therapy might be particularly cost-effective for you if:
- You have a high-deductible health plan
- Your insurance has limited PT coverage or high copays
- You value longer, more comprehensive sessions
- You want to minimize your total number of visits
Using Your HSA/FSA
Remember that you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for your physical therapy at MKE Physical Therapy, providing additional tax advantages.
Take the Next Step
The best way to understand your specific costs is to schedule a consultation. We’re happy to discuss your individual situation and help determine the most cost-effective approach for your needs.
Ready to experience the difference of direct physical therapy? Schedule your first session today or call us with any questions about our pricing structure.
The cost estimates for traditional insurance-based PT are based on averages from two major hospital systems in Milwaukee County and data gathered through Price Point WHA (www.wipricepoint.org).
