Pricing & Payment

Honest About Cost

Most patients assume insurance is automatically cheaper. Once you factor in what insurance actually covers, what it caps, and what it leaves you paying for anyway, the gap is often smaller than it looks—sometimes Radiant ends up comparable or less. A few situations where that’s true:

• You have a high-deductible plan. Most plans now require you to pay the full negotiated PT rate (often $150–$200 per visit) until you hit your deductible—typically $3,000–$10,000.
• You can use HSA or FSA funds. Pre-tax dollars save roughly 20–30% depending on your bracket. A $250 visit paid from HSA is effectively closer to $175–$200 in take-home dollars.
• You have out-of-network benefits. Many PPO plans reimburse a meaningful portion of out-of-network care. We provide detailed superbills for every visit. Many patients submit them and recover a substantial amount—sometimes bringing the net cost below what they’d pay in copays at an in-network clinic.
• The hidden costs of clinic visits. Driving, parking, childcare, time off work. For postpartum mothers especially, an in-home appointment saves $30–$60 per visit in childcare alone, before the appointment even starts.
• The cost of stopping short. If insurance ends coverage before you reach your goals, your options become living with symptoms, paying full out-of-pocket anyway, or escalating to surgery and medication. Effective treatment that resolves the actual problem often costs less over time than the alternatives.

Even in the cases where the math comes out more expensive at Radiant, patients consistently choose this model because of what insurance can’t deliver: a single board-certified specialist who knows your case visit to visit, treatment time that’s actually treatment time, and outcomes that don’t stop when insurance approval runs out.

A free 15-minute consultation is the easiest way to talk through your specific situation and find out what your actual cost would be.

Common Questions

Pricing & Payment FAQ

Why cash-based instead of insurance?

Because insurance was getting in the way of good care. Dr. Danaya has worked in both insurance-based and cash-based settings, and she saw a pattern: insurance companies were dictating what treatments patients could receive. Reimbursement issues were creating barriers between patients and the care they actually needed.

Cash-based means those barriers are gone. Every session is a dedicated 60 minutes. Treatment decisions are based on your body, your goals, and the best available evidence—not on what an insurance company will approve. Your care comes first. Always. Read our full cost breakdown →

How much will my insurance reimburse?

Reimbursement varies by plan. You can call your insurance company and ask about “out-of-network physical therapy benefits.”

Do you accept HSA or FSA cards?

Yes! Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be used for all physical therapy services. This is pre-tax money, which effectively gives you a discount on care.

How many sessions will I need?

It depends on your condition and goals. Some patients start seeing significant improvements in 3–4 sessions. Others with more complex or long-standing issues benefit from longer care. Because sessions are a dedicated hour and aren’t rushed, many patients need fewer total visits than they would at an insurance-based clinic. Dr. Danaya will give you a realistic timeline at your first visit.

What if I can’t afford cash-based care?

We hear this concern often, and we take it seriously. A few things that help:

• HSA and FSA cards accepted—this is pre-tax money, which reduces your effective cost
• Superbills provided—submit to your insurance for potential out-of-network reimbursement (amounts vary by plan)
• Focused treatment—because sessions aren’t rushed, many patients need fewer total visits to reach their goals

If your situation is complex and cost is a barrier, let us know. We’re willing to work with you—the goal is always to get you the care you need.

What’s your cancellation policy?

We ask for 24 hours notice for cancellations. Late cancellations (within 24 hours) and no-shows will be charged a fee. Contact us for full policy details.