It might seem that way at first, but cash-based physical therapy often ends up being more cost-effective and valuable for patients compared to traditional insurance-based care. Although the per-session cost of cash-based physical therapy may seem higher, it often results in lower overall expenses. Insurance-based PT typically involves co-pays, deductibles, and visit limits that can add up to $1,400 or more annually, with administrative delays potentially prolonging recovery. In contrast, cash-based PT offers transparent pricing without hidden fees or restrictions, providing longer, personalized sessions that often lead to faster, more efficient recovery in fewer visits—typically 8 to 10 sessions. This focused care helps patients avoid extra costs, doctor referrals, and delays, making cash-based PT a cost-effective and convenient option for many.

While we are primarily a Cash-Based PT clinic, we do work with most insurance plans, but we operate as an out-of-network provider. This means:

• You pay us directly at the time of service.

• We provide your insurance with detailed receipts and documentation that we can submit to your insurance company for reimbursement, based on your plan’s out-of-network benefits.

• Coverage and reimbursement amounts vary by insurance plan, so we recommend checking with your provider to understand your specific out-of-network benefits before starting treatment.

We’re happy to support you through this process and provide any paperwork you need to help maximize your insurance reimbursement.

• No Hidden Costs or Surprise Bills: With cash-based PT, you pay a transparent, upfront fee per session—no unexpected co-pays, deductibles, or surprise bills from insurance companies.

• More Personalized, Efficient Care: Cash-based clinics often offer longer sessions and more one-on-one attention, which can speed up your recovery and reduce the total number of visits needed.

• Fewer Restrictions: Insurance plans often limit the number of visits or require pre-authorization, which can delay or interrupt your care. Cash-based PT lets you focus fully on your healing without these hurdles.

• No Network Limitations: You have direct access to your therapist of choice without worrying about insurance networks or referrals.

• Better Long-Term Outcomes: Because of the tailored approach and consistent care, patients often experience quicker, more sustainable results—potentially saving money by avoiding surgery or chronic issues.

• We provide exclusively one-on-one care sessions to ensure personalized attention and optimal outcomes.

• Our clinic offers advanced treatment modalities such as dry needling, cupping, and force gauge testing—services that are often not available at other traditional clinics.

• We practice in a fully equipped gym facility, giving us access to a wide range of treatment options tailored to your specific needs.

We are located inside of the New York Fitness Club in Elizabethtown, PA. You can find the address listed at the bottom of our site.