Bill Slayer · Medical Bills
Pass only
A course of physiotherapy is the same appointment twenty times over.
Get the questions that reveal the other rates, a check on how sessions are billed, and a way to track the running total.
3
questions to ask the clinic
3
things to check on the bill
5
minutes for the conversation
The Problem
The per-session price looks small until you multiply it.
More than one rate exists
Self‑pay, block bookings and remote sessions are often priced differently, and none of them is offered unprompted.
Billed units may not match
Sessions are billed in time units, and a mismatch between the length and the units charged is worth querying.
Insurance isn't always cheaper
Where a deductible hasn't been met, the self‑pay rate can work out lower – but it may not count towards the deductible.
The total creeps
Without tracking it session by session, the overrun turns up at the end rather than in week two.
What you get
Everything you need to price the course before you commit to it.
3 questions to ask
What the self‑pay rate is, whether there's a reduction for booking a block, and whether remote sessions are cheaper – with what a reasonable answer sounds like.
Checking the bill
How to read the units against the length of your appointment, whether treatments you didn't receive appear, and how to raise a discrepancy without accusing anyone.
Insurance against self‑pay
How to work out which is cheaper for your situation, including the point most people miss – that self‑pay sessions may not count towards a deductible.
Session tracker
Date, what was billed and the running total, so a discrepancy shows up at session three rather than at the end of the course.
If the sessions run out
How to ask about extending an authorisation, what your therapist can supply to support it, and why not to stop treatment mid‑course over a paperwork gap.
Regenerate Anytime
New PT plan, different clinic, insurance changed? Run it again.
How it works
From one rate you were quoted to the rates you weren't in 2 minutes.
1
Answer 5 quick questions
Type of treatment, cost per session, how many sessions, your insurance situation, and what you've already asked.
~2 minutes2
AI builds your plan
Custom HTML with the questions to ask, how to check the billing, the insurance comparison, the tracker, and what to do about authorisations.
~30 seconds3
Ring the clinic today
Ask what their self‑pay rate is and whether booking a block reduces it – before the next appointment rather than after the course.
5 minutes to begin3
questions that reveal the other rates
3
things to check on the bill
5
minutes for the conversation
1
running total to keep
Questions
Everything you need to know.
Is it awkward to ask a clinic about price?
It shouldn't be, and it's a routine question for them. A clinic would generally rather agree a rate you can sustain for the full course than have you stop halfway through. Framing it as wanting to complete the treatment tends to work better than treating it as a haggle.
Is self‑pay really cheaper than using insurance?
Sometimes, particularly where a deductible hasn't been met and you're paying the full negotiated rate anyway. The important caveat is that self‑pay sessions usually don't count towards the deductible, so if you're close to meeting it the sums can go the other way. Work it out for your own numbers before switching.
What should I look for on the bill?
Whether the units billed match the length of your appointment, and whether any treatment appears that you didn't receive. Both are worth asking about calmly – errors happen, and one query early in a course saves repeating it twenty times.
Can I switch to self‑pay partway through?
Usually, though some clinics want notice. Ask before your next appointment rather than on the day. Do the deductible arithmetic first – switching makes sense at the start of a course far more often than near the end of one.
What if my authorised sessions run out?
Your therapist can usually request an extension, supported by notes on your progress, and it's often granted. If it's refused there's normally an appeal. Don't stop treatment mid‑rehabilitation over an administrative gap – ask the clinic about continuing on a self‑pay basis while it's sorted out.
Reviews
Real courses of treatment, really priced up first.
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