Why Should I visit a Cash-Based Provider?
More and more holistic providers are choosing to operate out-of-network, leaving many people to believe that those providers are too expensive to work with as opposed to seeking care with a clinic that is in-network. Consequently, many people are leaving in-network clinics unsatisfied with the “cookie-cutter” care they received, and wondering where they can possibly find individualized, self-sustaining, goal-driven care.
Let me break this down.
Professional school does not teach you how to be a top-notch doc- seminars and certifications do. Any additional certifications, techniques, and modalities that contribute to a skilled clinician cost money on top of the outrageous amount of money dedicated to school. On top of this, insurance doesn’t reimburse these providers for any of the modalities or techniques they have learned to become a well-informed and educated provider. Insurance companies do not pay for comprehensive care. So, providers are faced with choosing to actually charge for their time to make a living, or battle insurance companies for poor reimbursement on “cookie-cutter” care.
Before you write off out-of-network clinics as too expensive, let me highlight EXACTLY what you’re paying for.
Personalized care and plan of action
In insurance-based clinics, the insurance company that has never assessed you completely dictates your care. In contrast, cash-based providers work for you. Your time with the provider is just for you! Your provider won’t be running back and forth between patients and the focus is solely on you and your progress. This allows us to truly assess each of your movements and the end result is a completely individualized treatment to correct YOUR specific needs.
No limits to how frequent or infrequent you can be seen
Most insurance plans have a hard limit on the number of visits they’ll cover in a calendar year. Other insurers will approve more visits if the provider makes a good case for medical necessity based on documentation. If your provider can’t prove you’re “sick” enough to require more care, you’re out of luck. With cash-based offices, you have the flexibility to come in as frequent or infrequent as you would like for any minor or major issue without worrying if your insurance company is going to cover it. This makes cash-based offices a great choice for those seeking maintenance or preventative care.
More one-on-one time with your provider
Insurance companies dictate how much clinics get paid, and if it isn’t enough to make the clinic happy, then the clinic has to get creative at the expense of the patient’s quality of treatment and time spent with the therapist. When the worry of appropriately billing insurance companies is gone, providers have ALL of their time to give to their patients. This allows providers to spend the entirety of the appointment one-on-one with the patients instead of having to hand off their patients to an aide or trainer.
Ability to address multiple concerns at once
Unfortunately, most insurance-based clinics are strictly limited in the amount of issues they can address at once. Oftentimes, insurance doesn’t reimburse for an issue for which the provider hasn’t performed a thorough exam OR the insurance company doesn’t recognize the complaint as a separate issue from the original issue. Small issues pop up, and it’s unfair that your provider may not be able to treat them all at once. With cash-based clinics, this is not an issue! We can treat whatever issues may pop up without you needing to worry about it being denied by your insurance. You get better faster because the treatment decisions are made based on the care your provider knows you need, not by your insurance.
Price transparency
Traditional insurance-based offices leave patients subject to paying for copays or surprise services that their insurance did not cover. These costs can add up over time and make budgeting for treatment incredibly difficult. Cash-based clinics provide upfront pricing for their services, meaning patients know exactly what they will be paying before they begin treatment so they may budget accordingly. Additionally, cash-based clinics may lead to savings in the long run. Personalized care oftentimes leads to quicker results for the same issue that may take multiple weekly visits to “fix” with traditional insurance-based clinics. This can lead to savings for patients in the long run, as they may need fewer visits and may achieve their goals more quickly.
Motive is a cash-pay office, meaning we do not directly submit to insurance. This model allows us to structure treatments to best fit YOU, without having to worry about inconsistencies or limitations within different insurance plans/coverages that are often inflexible to our patients’ unique cases. We chose this model because we believe the provider you trust with your care should make decisions in your best interest, not insurance. Our cash rates are comparable, or sometimes even cheaper than insurance rates.
Ultimately, it’s important to us as practitioners to be able to practice the way we see fit for YOU while not being told how to practice by an insurance company.
If you’ve been seeking a physical therapy or chiropractic clinic that treats you as an individual, look no further. Motive is Norman’s one-stop-shop for chiropractic adjustments, physiotherapy, dry needling, cupping, scraping, and rehabilitative exercise all under the same roof. Our promise is to offer you the most comprehensive chiropractic care in Norman, OK and surrounding areas.
