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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I have a high deductible plan. For example, I just paid a $25 co pay for a sick visit and will probably get a bill for about $100 for taking my kid in for a sick visit and flu/strep test. They give you the insurance rate, but then you pay the difference. It's not free by any means like you are probably used to. Out of network I pay the whole thing. 
If I submitted my therapy bills, which are $230 a week, I would get $0 back, and only about $70 each time goes toward deductible. 
Took my kid to physical therapy, they charged my insurance about $400 for basically doing nothing, and I was responsible for $150. It's such a racket. [/quote]

What’s the racket, exactly? Who are you to say a physical therapist “basically” does “nothing?” If you have a shitty PT change … but that’s not a “racket” or even an insurance issue. [/quote]

Yup---definately "not a racket".  A PT or PTA is working with you the entire hour you are there 99% of the time in my experience.  They can only be working with one patient.  So $150/hour for someone with that training is reasonable.  You are also paying for the receptionist, the billing staff, the facility space, all the equipment they have, along with the knowledge and experience of someone with 3 years of a DPT program.  My acupuncturist gets $120 for an hour appt, but they are only with me for 15 mins or so of that hour (rest is you lying there with the needles in).  so heck yeah, a PT should likely be getting even more IMO for the full hour of working with you.  Whereas an acupuncturist can see 3-4 patients per hour, just staggered starts (and they are NOT overpaid--it's the PT who is underpaid)

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