Cash Pay
Cash Pay Physical Therapy at Therapy Excellence
If you want great care without the hassle of insurance, cash pay physical therapy (also called self-pay or out-of-network care) is a simple, flexible option. At Therapy Excellence, cash pay means you get high-quality, one-on-one treatment focused on your goals — not on what an insurance company approves. Whether you’re dealing with pain, recovering from an injury, or trying to move better and stay active, we’ll build a plan that works for your body, your schedule, and your life.
Dry Needling Package
INITIAL EVALUATION + 3 DRY NEEDLING SESSIONS
$150 (a $230 value)
Dry needling is a technique that uses thin needles to release tight muscles and trigger points, improving muscle function and range of motion. It helps reduce muscle tension, alleviate pain, and speed up recovery from strains and overuse injuries. This therapy is particularly effective for runners and athletes, addressing common issues such as Achilles tendonitis, plantar fasciitis, hamstring strains, hip pain, IT band syndrome, and lower back pain.
Advance Recovery Package
INITIAL EVALUATION + 3 RECOVERY SESSIONS
$250 (a $360 value)
In these treatment sessions, therapists use a combination of instrument-assisted soft tissue and joint mobilization, cupping, dry needling, and therapeutic massage to enhance muscle recovery, reduce tension, and provide targeted pain relief. These techniques also improve flexibility, circulation, mobility, muscle activation, and joint health. This approach is effective for common running-related injuries such as calf strains, shin splints, patellar tendonitis, IT band syndrome, plantar fasciitis, Achilles tendonitis, and hip flexor pain.
Complete Physical Therapy Plan of Care Package
INITIAL EVALUATION + 7 FOLLOW-UP APPOINTMENTS
8 Treatment Sessions for $800
A $910 value
Our Full Plan of Care Package includes a comprehensive initial evaluation followed by 7 personalized follow-up sessions tailored to your unique needs. Throughout your care, our expert physical therapists will use the full range of PT capabilities to help you rehab an injury, manage chronic pain, improve mobility, and enhance strength and balance. This package is ideal for those seeking a structured approach to recovery and long-term wellness.
Why choose cash pay?
Many people are surprised to learn that insurance isn’t the only way to get physical therapy. Cash pay gives you control and makes the process easier from day one. There are no referrals, no limits on care based on billing codes, and no waiting for authorizations. You can start therapy right away and continue as long as it makes sense for your recovery. Most importantly, your care is designed around what you need — not what a plan allows.
What cash pay looks like at Therapy Excellence
When you come in as a cash pay patient, your visit is all about you. You’ll receive a thorough evaluation, a clear explanation of what’s going on, and a step-by-step plan to help you feel better. Treatment often includes hands-on manual therapy, targeted exercises, movement retraining, and a home program you can actually fit into your routine. We prioritize longer, more focused sessions so you’re never rushed and always know why we’re doing what we’re doing.
Common reasons patients choose cash pay
Patients choose cash pay for lots of different reasons, including:
- They have a high deductible plan and would be paying out of pocket anyway.
- Their insurance doesn’t cover physical therapy (or limits visits too quickly).
- They want longer, one-on-one care instead of a rushed, high-volume clinic experience.
- They prefer to avoid referrals, authorizations, and confusing bills.
- They’re out of network and want predictable costs.
- They want care focused on performance, prevention, or long-term results, not just short-term symptom relief.
Transparent pricing, no surprises
We believe that cost should be clear upfront. Cash pay visits are priced at a flat, all-inclusive rate — no hidden fees, no unexpected bills later. We’ll review pricing with you before your first visit so you can make an informed decision.
Can I still use my insurance later?
Yes. Some patients start with cash pay to begin care quickly, then transition to insurance when referrals or authorizations come through. Others choose to stay cash pay throughout for simplicity and consistency. We’ll support whichever route works best for you.
Do I need a referral?
No. Thanks to Direct Access, you can schedule physical therapy without a physician referral in most cases. If we ever feel your condition requires additional medical attention, we’ll tell you right away and help you get connected to the right provider.
What to expect at your first visit
Your first appointment is a full evaluation. We’ll talk about your symptoms, goals, and what’s getting in the way. Then we’ll assess how your body moves, identify the root cause(s), and start treatment the same day. You’ll leave with a clear plan and specific next steps.
How quickly will I feel better?
Every person and condition is different, but cash pay care often moves faster because•
- You get more time one-on-one with your therapist.
- Treatment isn’t delayed by insurance approvals.
- We can adjust the plan freely as you improve.
- Sessions can focus on full recovery, not just “what insurance covers.”
Our goal is to help you reach real, lasting results, not just temporary relief.
Frequently Asked Questions
Is cash pay worth it?
For many patients, yes. If your deductible is high or your visits are limited, cash pay may cost the same (or less) than insurance. Plus, you know the price upfront.
Can I submit visits to my insurance?
Often yes, if you have out-of-network benefits. We can provide a superbill for reimbursement, but coverage varies by plan.
Do you offer packages?
Yes, packages are available and are a great option if you want ongoing care at a better rate. Ask us about current package options.
What conditions do you treat?
We treat a wide range of issues including back and neck pain, sports injuries, post-surgical recovery, dizziness/balance problems, arthritis, nerve pain, headaches, pelvic pain, and more.
Ready to get started?
You don’t need to wait for a referral or fight with insurance to feel better. If you’re ready for straightforward, personalized care, we’re here to help.
