Is Physical Therapy Worth the Price? A Comparison Between In-Network versus Out-of-Network PT

As co-pays for physical therapy visits approach $50, it’s only natural to start questioning if you’re actually getting your money’s worth.

Was my physical therapist prepared, ready, and on time for my session? Did I feel like I was the center of attention, or just a number? Did my physical therapist have time to fully listen to me and address my specific needs? Did I get pushed off to a technician or aide? Could I have just done those exercises at home? Did I get any closer to reaching my goals?

These are some of the questions you should ask yourself after each session to help determine the true value of your physical therapy. You shouldn’t leave an appointment wondering if it was worth your time and money. After all, you have enough to worry about when recovering from an injury, surgery, or illness. Instead, you should feel 100% confident that you made the right choice when it comes to both your health and your wallet.

Most physical therapists in the conventional, insurance-based system are forced to juggle multiple patients at the same time. This compromised approach often results in subpar outcomes. In fact, according to a recent analysis, only 6-25% of all patients in the traditional PT setting actually complete a full course of care. This is a staggering statistic that should make you think twice about where you go for physical therapy.

Not everyone adheres to standard “factory style” PT. What's needed is a new healthcare delivery model. One that provides you with your own physical therapist who stays by your side, every step of the journey.

So how much would you pay to get more undivided attention? How much would you pay to get a total body treatment approach that gets faster results? How much would you pay to return to your active, pain-free lifestyle sooner?

These are some of the questions that inspired us to create Activcore, a physical therapy and performance experience that exceeds all expectations. Each session revolves completely around you, where every minute is treated like pure gold. This approach guarantees that you'll get the most value out of your physical therapy.


So how much does it cost to go out-of-network? Maybe less than you think.

On the surface, paying just a $50 in-network copay leads you to believe that seeing a conventional PT would cost you less than paying $150 per session to see an Activcore PT. But let’s take a closer look.

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A $50 co-pay for only 15 minutes of actual time spent with the in-network physical therapist will cost you $3.33 per minute. Meanwhile, a private 55-minute session with an out-of-network physical therapist will cost you $2.73 per minute. This rate drops even lower if you have out-of-network insurance coverage.

Furthermore, you would have to attend more than 3 in-network visits to get the same amount of undivided time as just 1 out-of-network visit. Consider the costs associated with attending these additional appointments. That’s more time spent traveling to and from physical therapy. That’s more time spent away from your work, school, and/or family. That’s more time spent in pain.

Can you put a price tag on additional weeks of pain?

The point is, there are many more factors to consider than just dollars and cents when determining the value of physical therapy. We should all expect more from PT.

Check out my next blog post explaining why more and more physical therapists are choosing to go out-of-network.

Disclaimer:  The views expressed in this article are based on the opinion of the author, unless otherwise noted, and should not be taken as personal medical advice. The information provided is intended to help readers make their own informed health and wellness decisions.

Ian Kornbluth, Co-Founder

CEO | President
Ian's entrepreneurial spirit stems from growing up in Arizona around the family business — a small chain of "New York Style" pizzerias. Early on in life, Ian learned how to treat the customer like a person, rather than a number. He observed how the community came together to support an establishment that offered both quality food and an exceptional customer service experience. He also learned to appreciate how much sacrifice, perseverance and integrity that it took to make a positive change in the world around him.
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