Cash-pay, and proud of it.
No insurance billing. No co-pay confusion. No surprise bills three months later. You pay for your session, and every minute of that session is spent on your care, not on paperwork. Here's exactly how it works, before you ever pick up the phone.
Physica Medica Is a Cash-Pay Practice. Here's What That Means for You
I don't bill insurance. That's a deliberate choice, and it's the reason the one-on-one model exists. When you pay directly, no insurance company decides how many minutes you get, how many visits you're "approved" for, or which techniques you're allowed to have. The only person I answer to is you.
It also means total transparency. You'll know what a session costs before you book, there are no hidden fees, and you'll never get a confusing bill weeks after your visit. Patients tell me the clarity alone is a relief after years of insurance roulette.
What Does a Session Cost?
I discuss exact pricing on your first call, so it's tailored to what you actually need rather than a number ripped out of context. There are no hidden fees and no surprise add-ons. What we agree on is what you pay.
Session pricing
[INSERT SESSION PRICING], confirmed with you on your first call. HSA/FSA: [CONFIRM HSA/FSA ACCEPTANCE].
Prefer to talk it through now? Call or text 443-228-8029.
Why We Don't Bill Insurance
Insurance-based PT has a structural problem: the insurer dictates the care. It sets how many minutes you get, caps how many sessions you're approved for, and limits which techniques are reimbursable. That's why so many clinics run a shared gym floor with aides. It's the only way to make the economics work under those rules.
Cash-pay flips that. I decide what you need based on your body, not what a claims department will pay for. If your back needs dry needling, manual therapy, and movement work in one visit, that's what it gets. No pre-authorization, no waiting.
Is Cash-Pay Physical Therapy Worth It?
Here's the honest comparison. An insurance-based clinic is incentivized to see three or four patients an hour. I see one. You get my full attention, my 10 years of experience, and techniques most clinics don't offer: Pancafit, neural tension release, dry needling, all in a session built around you.
So no, it's not "the same thing for more money." It's a different thing. The 300+ five-star reviews come from patients who invested and got their lives back, after spending money elsewhere on care that didn't work. Value lives in the outcome, not the per-visit sticker.
Dry Needling Cost & Insurance in Maryland
This comes up a lot, so let me be direct. Dry needling is frequently not covered by insurance in Maryland, even at clinics that bill insurance for everything else. That leaves patients waiting on denials or paying out of pocket anyway, just with more friction.
As a cash-pay practice, there's no approval to wait on. If dry needling is what your muscle needs, we do it. I'm certified to perform it in Maryland, and we'll cover cost the same way as everything else: discussed plainly on your first call. Learn more about dry needling →
Flexible Payment Options
Many patients use HSA or FSA funds for their sessions. [CONFIRM HSA/FSA ACCEPTANCE]. I'll walk you through the options on your call so you can plan with confidence. The goal is simple: remove the friction so the only thing left to focus on is getting better.
No insurance games
No pre-authorizations, denials, or surprise bills. You know the cost before you book.
100% of the session on you
No paperwork eating your hour. Every minute is hands-on care with me.
Care decided by a doctor
What you need is determined by your body, not by what a claims department will reimburse.
Payment questions
No. This is a cash-pay practice by design. Billing insurance would mean letting an insurer dictate session length, visit counts, and which techniques you're allowed. Paying directly is what lets me give you the full session, one-on-one, with no restrictions on your care.
I discuss exact pricing on your first call so it reflects what you actually need, with no hidden fees and no surprises. Call or text 443-228-8029 and we'll cover it plainly.
Many patients do. [CONFIRM HSA/FSA ACCEPTANCE]. I'll walk you through what's possible on your first call so you can plan with confidence.