I am having to come out of pocket over $400 for 1 physical therapist appointment. I think it will be less if I just pay the office upfront. Can I ask that they not go through my insurance company??
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You absolutely can ask them to do so. Just be sure your primary Dr gets the reports from them so it is all in your medical records or ask them to provide you with a copy of the notes from each visit so you can send them to your Dr. Some PT offices do give you a price break if you pay cash and pay it 100% up front. But some of them are not telling you the full price with insurance as they are willing to accept the amount the insurance pays and your deductible and co-pays as full payment for services rendered. Also, if you ever have to go back will the price be the same again or will you have satisfied your deductible for the year and it will only cost you your co-payment next time? Consider this too before you make a decision. So, check with them first to see if there is a price break for cash payment.
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