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  • Writer's pictureNashville PT

Uncover the Benefits: Going Out of Network for Physical Therapy Could Be Your Money-Saver

New year? New deductible.  Why your money might be better spend going out of network for physical therapy.

When it comes to physical therapy, your health and your wallet are equally important. Have you ever considered exploring out-of-network options for your physical therapy needs? In this enlightening blog post, we'll delve into why going out of network for physical therapy could actually save you money, all while ensuring you receive top-notch care. Let's dive in and discover how this smart choice can benefit you.

Understanding the Basics

Before we jump into the advantages, let's clarify what "out of network" means in the realm of physical therapy. Out-of-network providers are those who aren't contracted with your health insurance plan. In contrast, in-network providers have agreements with your insurance company, which may lead you to believe that staying in-network is the more economical choice. However, let's explore why this isn't always the case.

The Hidden Savings

1. Tailored Treatment Plans

Out-of-network physical therapy providers often prioritize individualized care over insurance protocols. This means your treatment plan is crafted to address your unique needs and goals, leading to more efficient and effective sessions. With fewer restrictions on the type and length of treatment, you'll experience more focused care that aims for quicker recovery.

2. Long-Term Savings

While in-network providers might offer lower upfront costs, they could end up costing you more in the long run. Why? Because their restrictions could lead to prolonged treatment and extra appointments. With out-of-network providers, you're likely to experience a faster recovery, reducing the overall number of visits needed.

3. Avoiding Surprise Bills

Contrary to popular belief, in-network care doesn't always guarantee a lower bill. Out-of-network providers often provide transparent pricing, ensuring you know what you'll be paying upfront. This clarity can help you avoid unexpected expenses and navigate your financial commitments with ease.

Your Health Matters Most

Your health and well-being should always be the priority, and sometimes the most effective and tailored care isn't found within your insurance network. By choosing an out-of-network physical therapy provider, you're investing in a higher quality of care that's designed to cater to your specific needs, ultimately leading to a quicker recovery and less financial strain.

What to Consider

Before deciding on an out-of-network provider, consider the following:

- Research and Referrals: Look for reputable physical therapy providers with positive reviews and recommendations.

- Coverage Options: Some insurance plans offer partial reimbursement for out-of-network care (inquire with your insurance provider).

- Transparency: Choose a provider who's upfront about their fees and can offer a clear cost breakdown.

Remember, your health and recovery are worth it. Don't hesitate to explore out-of-network options that can not only save you money but also offer you the customized care you deserve.

Unleash the power of personalized physical therapy at Nashville Physical Therapy & Performance. Our dedicated team is committed to your well-being and optimal recovery, ensuring you receive the exceptional care you need. Contact us today to experience the benefits of going out of network for your physical therapy needs.


1. American Physical Therapy Association. "Navigating the World of Out-of-Network Care."

2. Mark R., et al. "The Comparative Effectiveness of Out-of-Network and In-Network Providers in a Preferred Provider Organization." Inquiry. 2014.

3. Zalta B., et al. "Out-of-Network Care: An Unintended, Though Understandable, Consequence of Provider Contracting." Journal of General Internal Medicine. 2016.

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