Cash-Based Therapy

In the ever-evolving world of healthcare, the traditional insurance-based model of therapy often leaves both therapists and clients feeling constrained. As an alternative, cash-based therapy has emerged as a flexible and empowering approach that benefits all parties involved which is why we choose to practice this model at Move U. By sidestepping the limitations of insurance, our treating therapists can offer more personalized care, and clients can enjoy a transparent and customized treatment experience. Here are some of the primary reasons we choose to be a cash-based practice and the benefits that our clients see:

1. Freedom from Insurance Restrictions
One of the most significant advantages of cash-based therapy is the freedom it provides from insurance restrictions. Therapists no longer have to navigate the maze of insurance codes, billing procedures, or pre-authorization requirements. This allows our team to:
– Treat your child’s struggles how they best deem fit rather than applying a blanket approach that gets maximum reimbursement
– Offer innovative or specialized treatments that might not be covered by insurance plans.
– Your child can be seen at a frequency that they need and makes sense for your family. Most plans will limit your child to a specific number of visits per year.

2. Improved Communication and Ongoing Education
We know that treatment sessions can see great improvement, however life continues to progress outside of the walls of Move U. If a concern or question arises, our team is here to support you in whatever that occurrence may be. Not only can we answer your question, but also offer real-time solutions to help your child in whatever capacity they may need. In addition, we also communicate openly with your child’s care team as needed. Whether its coordinating to make a dental experience seem less scary, giving insight to a teacher to improve classroom behavior, or consult with other medical professionals, our strive to support your child’s needs as best as we can.

3. Transparent Pricing
One of the frustrations many clients face in the traditional healthcare system is the lack of clear, upfront costs. In contrast, cash-based therapy offers transparency. Our clients know exactly how much they will pay for each session, eliminating surprise bills or hidden fees.

4. Improved Accessibility for Non-Insured or Underinsured Clients
Not everyone has access to comprehensive insurance plans. Cash-based therapy provides an option for individuals who are uninsured, underinsured, or whose insurance plans have high deductibles. We also offer flexible installment plans and accept cash, check, HSA or FSA as payment.

5. Therapist Satisfaction
At the end of the day, our therapists have the years of experience and education to treat your child and their concerns. They know the best methods and treatment approaches to help your child overcome their struggles and in our cash-based therapy practice, the clinicians are the ones setting the treatment plans rather than an outside party.

6. Flexibility in Session Length and Treatment Plans
Insurance companies often dictate the length of sessions or the number of sessions covered. Cash-based therapy allows therapists to work collaboratively with clients to determine the most effective treatment plan. Whether it’s longer sessions, shorter check-ins, or a unique frequency of visits, the focus shifts to what works best for the child and their family rather than adhering to rigid traditional guidelines. Our treatment sessions are catered to your child’s needs but generally land around the 60 minute mark instead of the 30 to 40 minutes at an in-network clinic. We know it takes a few minutes to warm up and settle into a space which is why we set longer treatment times to make lasting impacts.

7. Promoting a Stronger Client-Therapist Relationship
When the focus is solely on the therapeutic relationship—without interference from third-party payers—both clients and therapists benefit. This dynamic fosters a deeper connection and trust, which are essential for effective therapy.

Cash-based therapy is more than just a payment model; it represents a shift towards autonomy, transparency, and personalized care in the therapeutic space. For therapists, it offers a sustainable way to practice without the administrative burdens of insurance. For clients, it ensures privacy, clarity, and care tailored to your child’s unique needs. Occupational therapy can make a difference in the lives of so many children, and as a cash-based therapy practice we are making these services more accessible, affordable, all while provide top-tier care to those that need it most. If you’re interested in scheduling an appointment with us today, request an appointment here! 

References: 

Cash-based vs. insurance-based physical therapy models. Primal University. (n.d.).