Do you take insurance?
Arrow Physical Therapy is a cash-pay practice and payments can be made with credit card, check, or cash. We also can take HSA (Health Savings Account), FSA (Flexible Spending Account) and Sam Arrow is an ESA (Empowerment Scholarship) vendor. Arrow Physical Therapy is not contracted with any insurances so your providers can use the time they have with you to ensure your needs are met, without restrictions from insurance. This enables them to have longer treatment sessions that are one-on-one, available for questions between appointments and can schedule however works best for you.
If you have insurance with out of network benefits, we can provide you with a super bill that you can use to submit to insurance to apply towards your deductible or for reimbursement, depending on your insurance plan. We can provide receipts for HSA and FSA.
I have Medicare, can I pay out of pocket for physical therapy?
Unfortunately, physical therapists are not allowed to treat patients who have Medicare unless they are contracted with Medicare. Physical therapists who are not contracted with Medicare can see patients for Wellness Visits and provide coaching so you can improve your physical health.
If you need help finding a physical therapist that is contracted with Medicare, we can make recommendations.
Do you accept HSA or FSA?
Yes! We can accept HSA (Health Savings Account) and FSA (Flexible Spending Account) and can provide you with receipts.
Why don’t you accept insurance?
Arrow Physical Therapy provides one-on-one, focused sessions without the need to document “filler” treatments to meet productivity standards or insurance requirements. While you pay upfront, the total cost may be less than insurance-based care when considering high deductibles, co-pays, and limited session coverage. Individuals with a high deductible plan may end up paying the same amount for physical therapy whether they see and in-network physical therapist or cash pay physical therapist, but you can decide who gets your money – insurance companies or the person providing you care.
Here’s how it works – if you have insurance with a $5000 deductible and $20 copay, and you see a physical therapist who accepts insurance for an evaluation that is worth $200, you pay $20 to the physical therapist and they will submit for the remainder to insurance. Because insurance companies have contracts that limit they amount they will pay the physical therapist, they will pay the physical therapist a lower rate, often $65-$120 (minus the $20 co-pay), depending on the services provided. In the end, the physical therapist gets $20 from you and average payment from insurance companies is $80, $100 in total. The amount that gets applied to your deductible only the amount you paid is $20, ensuring that it will take a long time to reach your $5000 deductible.
If you pay out of pocket for physical therapy who does not take your insurance, you pay $200. If you have out of network benefits, the physical therapist gives you a super bill that you can use to submit to your insurance and the amount you paid gets applied to your deductible. Your physical therapist gets paid what their services are worth and you are more likely to meet your high deductible and have all your medical services covered 100%. Once your deductible is met and you submit your next super bill for $200, the insurance company will reimburse you for the visit.
All insurance plans are different and yours may or may not have out of network benefits, or it may cover a percentage of medical cost after your deductible is met. Make sure you understand how your plan works so you get the most out of your insurance.
Being out of network with insurance allows your physical therapist and you the ability to make informed decisions about treatment based on patient needs, not insurance company limitations, and allows your physical therapist to have the time and energy to focus on you.
Financial Assistance
Arrow Physical Therapy wants high quality, inclusive, affirming physical therapy to be accessible to everyone. While our cash pay rates reflect the quality of our services, we understand that they may be out of reach for some people. We accept a percentage of patients on a sliding scale, offer discounts on prepaid packages and created Phoenix Trans Physical Therapy, a grant funded program that covers the majority of the cost of physical therapy sessions for Transgender, Nonbinary, Intersex, and Gender Expansive individuals. Please use the contact form or email sam@arrowphysicaltherapy.net if you would like assistance.
