TORQ Physical Therapy provides exceptional service that allows patients to take control of their own health independently, without having to rely on the medical system. Our private, individualized sessions are designed to provide consistent and creative treatments.
TORQ PT utilizes a direct-pay business model, which allows us to provide clinical treatment based on the needs of our individual patients without third-party insurance reviews, network restrictions, and visit limits. Patients pay for treatment at the time of service using Health Savings Account (HSA), Flexible Spending Account (FSA), credit card, or cash. We can easily provide a patient with a visit summary complete with billing codes and pricing for insurance reimbursement and this is done even easier before with our partnership with the Reimbursify app.
Nope! Physical Therapists in NJ have Direct Access, meaning no physician prescription is required in order to receive physical therapy services. This saves you time and money, getting you the treatment you need, right when you need it. No more wasting time or money waiting for appointments just to get a referral!
TORQ PT is an out-of-network provider, meaning we do not “take insurance” directly. The reason why is simply because we would not be able to provide the quality of care and individualized treatment that we do currently when working within an insurance-based model. We offer affordable, flexible options for our patients and overall require fewer visits than traditional clinics, which results in less time spent per week in the clinic, and less money spent. Some insurances may even reimburse you for the full or partial cost of your appointment. We serve the patient, not the insurance company.
The Short Answer: We prefer to give high quality, one-on-one care to our patients without having insurance companies dictate what we can or cannot do. Insurances come with high co-pays and deductibles for the patient that can be complicated and frustrating to deal with.
Clinics that bill health insurances require their therapists to see multiple patients at one time to off-set insurance reimbursement rates. On average, insurances tend to reimburse around 40-50% of what a therapist may bill out. Insurance companies also tend to dictate the amount of visits a patient is covered under, regardless of their injury and the severity of their condition, which in turn leaves them at higher risk since they typically get cut off early.
Lastly, patients may only spend around 15-20 minutes of one-on-one time with the PT and then are sent off to do their exercises on their own. (Not to mention these are typically exercises that can be done in their own time at home.)
Clinics such as these typically require their patients to attend 2-3 appointments per week.
Here’s how we differ.
Our patients receive one-on-one, hands-on treatment every session. We give our patients their own exercise programs, however, these programs are easily accessible through hand-outs and our phone app so that you can perform your programs at home. Therefore, the entire focus in the clinic is on the things that you cannot do at home. That means less visits per week.
When you consider the amount of time you save per week because of less visits per week, the out-of-pocket expense is already a huge bargain.
But it gets better! How is this even possible?
Deductibles and co-pays for PT visits have increased in the recent years. Many patients who have these high copays or have not met deductibles pay less out of pocket for our treatments than they would if they went to a clinic that “takes their insurance.”
As you weigh out your options, please consider these few things:
1. Inquire with your health insurance provider about what percentage of the total PT bill you will be required to pay an an in-network clinic (especially if you have a deductible to meet). If you will be paying 100% of the bill, ask the prospective PT clinic the amount of the average bill sent to an insurance company (the clinic’s amount on the bill, NOT what the insurance company pays them). Most of the time, you will be paying the full bill until the deductible is met.
2. If you have met your deductible, ask how much your co-pays will be. Ask how many times per week the average patient is asked to come in for treatment. Determine if this cost per week is feasible for you and your regular expenses.
3. Consider the quality of care you will be receiving at other clinics, and the value you place on the quality of care.
4. Consider how often you will be missing work and/or time with family to attend PT visits. Again, ask any prospective clinic how many times per week the average patient is asked to come in.
On average, most patients have insurance deductibles of $5000 or more. The average Physical Therapy clinic bills these insurances $250 per session, which becomes the patient’s responsibility until meeting their deductible.
TORQ PT prefers to utilize the direct-pay method, simply to be as transparent as possible. We will provide you with an up-front price, which is guaranteed to be more affordable than the average clinic. This also allows us to treat the root-cause of the problem instead of being limited to only treating one specific body part or having limited visits with the patient.
Most private health insurance plans have some level of out-of-network reimbursement.
If you see the terms PPS, PPO, or Out-of-network on your insurance card, then you most likely are eligible for reimbursement.
If you see the terms HMO, Medicare, or Medicaid, then you likely do not.
However, it is always best to check with your specific provider, as all providers and plans are different. Please feel free to reach out to us and we can check your benefits for you!
HSA, FSA, credit card (Visa, Mastercard, Discover, AMEX) and cash.
We have partnered with Reimbursify to make the process easier for our patients to submit claims! It takes around 3 minutes to initially set up your account, but after that, it’s as simple as taking a picture of your bill at the end of each visit. The app will take it from there!
We will provide all of the information to patients at their first visit on how to set this up and get started.
Find out more here!