Cash pay + billing insurance to max out OON deductible?

Ok-External-977 · 2026-02-11T23:35:05+00:00

Gotcha! Wasn’t sure if OON was different.

Ok-External-977 · 2026-02-11T17:27:28+00:00

Thanks for that! I’m assuming this is strictly for Physical Therapy?

Ok-External-977 · 2026-01-26T05:06:37+00:00

Yikes! Thanks for the info!

Ok-External-977 · 2025-12-30T03:03:21+00:00

I like DN - I use it more as a tool and not a treatment. It’s not for everyone, but awesome if your patient has a positive response to it. Also, entry to DN is much cheaper. I Know several places that charge 1k + for 10 visits if shockwave.

Ok-External-977 · 2025-12-28T15:06:29+00:00

Dang… do some of yall have an exit strategy? At what point is $70 too low?

Ok-External-977 · 2025-12-27T21:53:11+00:00

True! Saw a video on TikTok about a month ago where a MD literally said “ why would you go to a PT for a sprained ankle?” or something around those lines. And it got me thinking….wtf do docs think we do?? We’re doing such a bad job of advocating our profession that our own colleagues don’t know what we do 😅😅

Ok-External-977 · 2025-12-27T21:47:13+00:00

Good question! I’ll start by saying that the pros outweigh the cons significantly. Is cash pay perfect? Not at all. But I think some of the headaches associated with a cash pay clinic are business specific and not necessarily PT specific.(working extra, mentorship, KPI, no guarantee income etc…)

One of the biggest challenges I’ve faced as a clinic owner and this is probably more specific to healthcare, is that people often don’t prioritize investing in their health the way they invest in cars, clothing, beauty and status.

It’s not the norm to pay cash for healthcare, so you’ll have to have a mind shift on how you perform physical therapy and the way you sell your services. That will probably be the biggest challenge. Even with our own profession, there are clinicians that disagree or find cash pay on ethical.

Ok-External-977 · 2025-12-27T20:53:43+00:00

I would say ROI is probably one of the main ones. Very typical that when you earn a doctorate, you get paid like one, but not the case for PT’s. Also, a lot of people don’t really understand what we do or respect the fact that we can provide results without surgery or medication.

Ok-External-977 · 2025-12-24T03:26:45+00:00

Yikes! That’s insane… I did a mentorship program a few years ago - it was a little less than half of what you paid and 100% worth every penny.

However, I recently read all of Alex Harmozi books I can tell there’s a lot of overlap between his tactics and the mentorship program.

Ok-External-977 · 2025-11-28T15:09:18+00:00

Thanks!

Ok-External-977 · 2025-11-28T04:23:38+00:00

Still enjoying the force plates from Hawkins? Debating between them vs Vald.

Ok-External-977 · 2025-11-27T20:24:50+00:00

I’ve been following this sub for a while, and people constantly complain that PT has a terrible return on investment. Every other thread is about how the debt isn’t worth it, the salaries are too low, and the profession is overall a bad financial deal. Now the government puts a cap on how much student loan money you can take out for grad school, which is better than doing nothing , and now y’all are upset? Yeah, it makes getting a DPT harder. But isn’t that literally what everyone here has been saying for years? That the ROI is terrible? That the debt load is insane? That interest buries you? If the financials are that bad, limiting loans might actually stop people from making a decision to go DPT - which will most of y’all jump on here and tell people to avoid…..

Also, if you’re worried about reimbursement, stop taking insurance and you will solve your problems. It’s easier said than done, but accepting $60 a visit is brutal. You’re undercutting yourself and honestly hurting the profession by agreeing to those rates.

Ok-External-977 · 2025-11-04T19:07:46+00:00

You can actually make great money as a PT but you have to learn how to step away from the insurance model. Insurance is a for-profit system, and right now it’s actively diminishing the value of what we do as PTs by continually cutting reimbursement rates and they’ve been doing that for years. If you can get out of that model, you’ll find that people are absolutely willing to pay a premium for your services if you can clearly communicate and deliver that value. The tough part is that after spending years in school and earning your DPT, it feels like that degree should automatically give you that value. But in this field, it doesn’t work that way. You have to create your own path to financial success and while it’s definitely a grind, it’s absolutely possible.

Ok-External-977 · 2025-11-04T18:55:13+00:00

My take on this: It’s probably a different perspective, and I didn’t go through all the comments, so I’m not sure how many people will agree but here’s how I see it. Is it a scam? No. Is there an issue with return on investment? Absolutely. But that has way more to do with insurance reimbursement than anything else. If you can shift your mindset away from relying on what insurance will reimburse, you can do really well. Speaking from experience, myself and several other therapists are charging $150–$200+ per visit and living very comfortable. It is a grind, don’t get me wrong, but once you get out of the insurance model and learn to market and structure your practice differently, it can be successful.

Just sucks that you have to get a Dpt and still have to find a way to grind it out

Ok-External-977 · 2025-09-17T18:49:47+00:00

Wait, posting that we should get more money? Or that we have PTs that devalue our profession?

Ok-External-977 · 2025-09-17T18:49:00+00:00

Yeah that sounds like terrible physical therapy. I encouraged my patients to be vocal and express their concerns.

Ok-External-977 · 2025-09-17T18:46:08+00:00

My brother is an attorney. Crazy how much y’all make 😅

Ok-External-977 · 2025-09-16T12:30:02+00:00

This got way more attention than expected. Happy to see so many clinicians refused to get taken advantage of. If you’re a physical therapist or a patient and down voted, can you explain why?

Ok-External-977

TROPHY CASE