A cash-based model means you pay directly for your physical therapy services at each visit—no insurance middleman, no confusing “timed vs. untimed” billing codes. This allows 865PT to focus on your unique goals and deliver the best possible care without worrying about what insurance will or won’t cover. You can pay using cash, check, credit/debit, or an HSA card.

Traditional clinics often rely on insurance-determined codes and extensive paperwork, which can result in confusing bills, surprise costs, and less one-on-one time. By eliminating insurance hurdles, we bring clarity and efficiency to your treatment. Rest assured, we still document all evaluations, treatment visits, and progress notes to meet legal requirements—just without the added complexity of insurance billing.

It depends on your insurance plan. Most private insurances (excluding Medicare and Medicaid) offer some out-of-network benefits for physical therapy. To find out, call your insurance provider and ask if you have out-of-network coverage and what your reimbursement rate is.

If your plan includes out-of-network benefits, 865PT can provide you with a “superbill” (a detailed receipt) for each visit. You simply submit this to your insurance company for possible reimbursement.

Being out-of-network means we haven’t signed contracts with insurance companies for set reimbursement rates. Instead of navigating endless red tape, we focus on delivering expert, personalized care that puts you first. Keep in mind, “in-network” status is simply a business agreement—it doesn’t reflect a clinic’s education, experience, or treatment outcomes.

Our cash-based structure allows us to charge below the national average because we’re not weighed down by excessive billing costs or outside fees. The result? More of your money goes directly toward your health, and you get clear, upfront pricing. If we were in-network, we’d be forced to charge double or even triple for the exact same services just to feed the insurance system.

We’ve put together a simple, one-page checklist to guide you when calling your insurance provider. By using this tool, you’ll get clear answers about your out-of-network physical therapy benefits and gain a better understanding of your overall coverage—after all, it’s your plan, and knowing the details empowers you to make the best decisions for your healthcare.

Submitting a claim is easier than you might think. After each visit, 865PT will give you a “superbill” containing all the info your insurance company needs—like our business details, tax ID, NPI, license numbers, plus your ICD-10 (diagnosis) and CPT (billing) codes. You can send this superbill to your insurer after each appointment or bundle several at once—just make sure you don’t wait too long, as most companies have specific claim-filing deadlines.

No, not for treatment—Tennessee offers Direct Access to physical therapy, so you can see a licensed PT without a physician’s referral. However, if you plan on using insurance for out-of-network reimbursement, your provider may require a referral. It’s always worth checking with your insurance company to confirm their specific requirements.