How Out of Network Physical Therapy May be More Cost Effective

Why Choose Cohen Health and Performance for Sports Physical Therapy?

At Cohen Health and Performance (CHP), we are frequently asked a critical question when someone first seeks our help for pain and limitations interfering with their active lifestyle: Do you accept health insurance?

This is a completely reasonable question, but the answer is more nuanced than a simple yes or no.

Our Mission: Elevating Sports Physical Therapy

At CHP, our mission is to enhance the lives of individuals who prioritize an active lifestyle by providing elite-level sports physical therapy. We are committed to not only helping people recover from pain and injuries but also empowering them to sustain long-term health and peak performance.

This mission drives every decision we make, including our choice to remain out of network with health insurance. For us, the decision was clear—being in-network would make it impossible to provide the high-quality, individualized care necessary to help our patients recover faster, stay injury-free, and return to the activities/sports they love as effectively as possible.

The Limitations of In-Network Sports Physical Therapy

Many people don’t realize how the constraints of in-network insurance impact their quality of care. Due to declining reimbursement rates, in-network physical therapists are often required to see multiple patients per hour—typically 2-3 patients at a time. As a result, treatment sessions become standardized, and truly customized care becomes nearly impossible.

In-network providers frequently have only 20-30 minutes per patient before moving on to the next. This leads to:

  • Generic treatment plans that don’t address the unique needs of athletes and active individuals.
  • Over-reliance on passive modalities such as ultrasound and electrical stimulation—techniques with questionable effectiveness in addressing the root cause of pain.
  • Frequent delegation of care to assistants, aides, or techs, rather than a licensed physical therapist providing hands-on, expert-level treatment.

Because of these limitations, in-network physical therapy patients often require 2-3 visits per week for months to achieve results—if they achieve them at all.

The CHP Difference: High-Quality, Personalized Sports Physical Therapy

By remaining out of network, CHP provides a superior level of care that gets our patients better, faster. Here’s how we stand out:

  • One-on-one, individualized treatment with a dedicated sports physical therapist every session.
  • Customized recovery plans designed for athletes and active individuals, addressing not just symptoms but the root cause of pain.
  • Faster recovery times due to focused, high-quality care, reducing the overall number of visits needed.
  • Education and injury prevention strategies to keep you pain-free and performing at your best long after treatment ends.

Many of our patients come to us after experiencing limited results with traditional in-network physical therapy. Our approach allows them to return to their sport or active lifestyle stronger, more resilient, and less prone to future injuries.

Is Investing in Out-of-Network Care More Expensive?

At first glance, out-of-network care may seem like a greater financial investment per session. However, when factoring in the cost and frequency of in-network visits, our model often proves to be more cost-effective in the long run.

Here’s why:

  • Fewer total sessions are needed due to the quality and efficiency of care.
  • In-network co-pays add up quickly with 2-3 visits per week over several months.
  • We provide documentation for out-of-network reimbursement through your insurance.
  • You can use Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) to cover treatment costs.

Investing in Your Health and Performance

When it comes to sports physical therapy, the cheapest option is rarely the best. We believe that your health, well-being, and ability to stay active is simply too important to discount the care that you receive. At CHP, we offer a higher standard of care, ensuring that you not only recover but also gain the knowledge and strength to prevent future injuries.

If you’re serious about overcoming pain, optimizing performance, and getting back to the activities you love—faster and more effectively—Cohen Health and Performance is here to help.

Ready to experience the CHP difference? Contact us today to start your journey toward pain-free movement and peak performance.

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