At Omega Project, we believe recovery should be simple, straightforward, and centered around you—not dictated by a third-party system. Our cash-based physical therapy model removes the common obstacles that stand in the way of healing. By paying directly for your care, you gain a more personalized experience focused entirely on your goals, your progress, and your outcomes.
Cash-based physical therapy isn’t just convenient—it’s care delivered by licensed, highly trained clinicians who follow the same evidence-based practices as any other medical provider. The key difference? You remain at the center of every decision.
And because we eliminate the overhead of insurance billing and hidden facility fees, cash-based care can often be more cost-effective than traditional in-network treatment—especially when you factor in longer sessions, faster results, and care that’s truly built around you.
Simplify Your Recovery Journey
Cash-Based Physical Therapy
Insurance-Based Physical Therapy
Cash-Based PT Offers a Better Approach to Your Recovery
How Much Does It Cost?
Many patients with high-deductible health plans or limited PT coverage find that out-of-pocket expenses through insurance are comparable—or even higher—than paying directly. With cash-based care, every dollar goes toward your actual treatment—not admin or billing overhead.
Here’s an example of a typical care plan at Omega Project:
Cash-Based PT
$200 upfront
6–8 total visits
Included or flat rate
~$200–$800
Transparent
No impact
None
Insurance-Based PT
Varies, may apply to deductible
12–18 visits over 6 weeks
~$60 co-pay + 20% per visit
$720–$1,080+ plus percentage
Often unclear until after
Can be very expensive
Common
Cash-Based vs. Insurance-Based Physical Therapy
- Cash-Based Care
- You pay directly at the time of service.
- Can pay with HSA/FSA.
- No authorization required.
- Always work with a licensed physical therapist 100% of the session.
- Sessions typically last 45–60 minutes.
- Care plans are fully customized to your specific needs.
- Providers can freely use the most effective tools and techniques.
- Fewer, more effective visits are often needed.
- You’ll typically see the same provider every visit.
- Insurance-Based Care
- Work with support staff during your session.
- You may owe a co-pay or deductible, with insurance billed separately.
- Often requires authorization from a doctor and approval from the insurance provider.
- Sessions are often shorter due to reimbursement limits.
- Treatment may be limited to what's approved by insurance.
- Some treatments or tools may not be covered or allowed.
- You may require more visits to see results due to session constraints.
- Therapist may vary depending on clinic policies or insurance guidelines.
Is This the Right Fit for You?
Cash-based physical therapy is ideal for individuals who:
- Prefer efficient, high-quality care without red tape
- Want to start treatment quickly, without waiting for approvals
- Value time, personalized attention, and results
- Have high-deductible health insurance or limited PT coverage
- Want to work directly with their provider and see the same therapist each visit
- Prioritize their health and want to stay active, independent, and able to keep doing what they love—whether that’s playing with their kids, training for a race, or simply living pain-free
We also work collaboratively with other PTs and health providers, while offering expert insight into your quickest path to recovery.
While cash-based care is an excellent option for many people, we understand it’s not the right fit for everyone. If your insurance offers strong PT benefits or your financial situation requires coverage, we’re happy to help you navigate your options—even if that means recommending a provider that works within your plan.
Frequently Asked Questions
01
Can I submit my receipts to insurance for reimbursement?
Yes, we can provide a superbill that you may submit to your insurance for possible out-of-network reimbursement, depending on your plan. Please note that we are not eligible for Medicare, and we do not provide any documentation beyond the superbill.
02
What forms of payment do you accept?
We accept all major credit cards, HSA/FSA cards, and digital payment options.
03
How many sessions will I need?
Each treatment plan is unique. Most clients benefit from 6–8 sessions over the course of several weeks, but we’ll tailor your care to your condition and goals.
04
What if I already had physical therapy elsewhere?
That’s okay. We’ll evaluate your current status and pick up where you left off, offering new strategies and tools when needed.