How The Insurance Industry Is Affecting Your Physical Therapy Care

If you haven't had physical therapy in a while you might not be aware of what's been going on with insurance companies.  

Allow us to share the reality of where we are today.

Now more than ever, we’ve found that our vision for patient care can’t be achieved under insurance company mandates. It’s that simple.

And here’s why...

Over the last few years, we have seen insurance companies cut back on the amount they reimburse both their customers and the clinics they are working with.  

In order for clinics to stay in network AND afford the high costs in the Bay Area, they have had to cut back on operating expenses and what they offer patients.  

Our patients who have come to us from in-network clinics have reported having a difficultly finding available times for appointments, only 10 minutes with a therapist once they get in (the rest of the time is with an aide,) being seen in public rather than private rooms, and less hands on treatment.  

Insurance companies MANDATE limits to your treatment plans.

Insurance companies LIMIT number of visits you will receive each year.

Insurance companies DICTATE how much will be covered for your care (even if the amount doesn’t cover the cost for us to serve you best.) In addition, healthcare providers have no say about their patient's care when in network with your insurance. The carriers without clinical expertise in your case make the decision on what service is allowed.

Insurance companies require more tedious paperwork and force us to work through their red tape BEFORE paying for the care you receive even if the services were ALREADY PROVIDED.

Insurance companies can REFUSE to reimburse you for your treatment if they don’t agree with the necessity of the treatment plan we’ve developed even after it’s been delivered and completed!

Insurance companies provide little to NO communication when coverage levels change, and in all my years in private practice, I’ve only experienced coverage and reimbursement DECREASES, never increases. 

The whole experience is about what benefits the Insurance Carrier…NOT YOU as the subscriber. 

In the Single Payer Healthcare debate, the strongest argument against insurance companies having control is that by denying coverage and choosing what to pay for, they are LITERALLY practicing medicine without a medical degree!

We have a vision for our practice, a set of goals for what we want to accomplish for our patients. That’s why we focus on what supports the needs of our patients rather than the needs of insurance companies.

We deliver patient centered care rather than insurance carrier centered care. We are here to support you in what we believe to be the best way to get results quickly.

While PhysioFit is still in network with some insurances, many patients are more than happy to pay cash for physical therapy if it means receiving more personalized care. This allows our therapists to truly focus on providing exceptional patient care. With the proliferation of high-deductible health plans, insured patients often face high out-of-pocket costs, so there’s not a huge financial jump to move to cash-based services.

We believe it’s important to raise awareness by sharing this important information with you.

For your health and wellness,

P.S. All patients, insured or uninsured, in network or out-of-network are welcome at PhysioFit.


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