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Cash-Pay Physical Therapy Package Selling — 60-Min Training

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Direct Answer

Cash-Pay Physical Therapy Package Selling is a 60-minute training for cash-based PT and wellness clinic owners, front-desk leads, and treating clinicians who present visit packages and plans of care to patients paying out of pocket — without the high-pressure feel that contradicts a healing relationship.
It replaces the awkward "so, do you want to come back?" handoff with an outcome-first ritual: a pre-conversation brief built from the evaluation and the patient's functional goal, a value-vs-insurance presentation that frames cost around time, access, and results, a verbatim package-commitment script, and a structured follow-up for patients who need to think.
Built on the American Physical Therapy Association (APTA) professional and ethical standards, established cash-based-practice methodology, and the ethical-influence principles of Robert Cialdini's "Influence," this session teaches the team to anchor every recommendation to the patient's stated outcome, make the value of cash-pay PT plain and honest, and let an informed patient commit to the full plan of care — never to pressure or oversell.

Section 1 — Why Plans of Care Fall Apart (5 min)

Open with the leak that defines cash-based PT. A patient pays out of pocket for a thorough one-on-one evaluation, gets a clinically sound plan of care — say twelve visits over six weeks — and then comes three times and disappears, never reaching the outcome they paid to chase.

The clinic didn't lose on clinical quality. It lost because the plan of care was never framed as a commitment to a result, so the patient treated each visit as an optional expense to skip.

Set the frame on the whiteboard:

The broken plan of care: Clinician says "let's get you on the schedule," patient books one visit at a time, drops off when the acute pain eases, never restores full function.
The repaired plan of care: Team anchors the plan to the patient's functional goal, presents the value of cash-pay over insurance friction, and offers a package the patient commits to up front.
Commitment target: convert 70%+ of evaluations into a committed package or plan of care, and lift plan-of-care completion meaningfully.

End by reading the APTA ethics principle aloud: *"The physical therapist's primary obligation is the patient's functional outcome, achieved through the full plan of care."* The team's job is to help the patient commit to that outcome — honestly, never through pressure.

Section 2 — The Pre-Conversation Brief (15 min)

The brief is a quick alignment the clinician and front desk build from the evaluation and the patient's functional goal *before* the package conversation. No brief, no ask. Have each team fill one out for a real patient now.

Verbatim Pre-Conversation Brief Template (team completes from the evaluation):

Patient: [Name] — [Diagnosis / functional limitation] — [Recommended plan: visits over weeks] — [Phase: acute / progressive / return-to-activity]
The outcome, in the patient's words: [e.g., "run my first 10K in October" or "pick up my toddler without my back going out"]
Clinical why for the frequency: [Why this cadence reaches that outcome — tissue healing, progressive loading]
Value framing for this patient: [Time saved vs. Insurance visits, one-on-one care, no referral hassle, FSA/HSA dollars]
My pre-conversation hypothesis: [Real hesitation — cost, time, or "I'll just do the exercises at home"]
My ask: A package or full plan of care committed today; FSA/HSA and financing ready; clear next step if the patient needs time.

Coach the "outcome in the patient's words" rule — cash-based-practice methodology and APTA patient-centered care both stress that patients commit to a *result they named*, not to a quantity of visits. If that line is blank, the team isn't ready to make the ask.

Show the bad example: *"It's $150 a visit, how many do you want to book?"* That's a transaction, not a plan of care. Replace it with the flow.

flowchart TD A[Clinician Completes Evaluation] --> B[Team Builds Pre-Conversation Brief] B --> C[Anchor Plan to Patient Functional Goal] C --> D{Outcome Stated in Patient Words?} D -->|No| E[Ask: What Do You Want to Get Back To?] D -->|Yes| F[Present Value vs Insurance, Then Package] E --> F F --> G{Patient Commits?} G -->|Yes| H[Book Package, Apply FSA HSA, Set Outcome Checkpoints] G -->|No| I[Log Reason, Offer Smaller Starter Package] I --> J[48-Hour Outcome-Focused Follow-Up]

Section 3 — Selling the Outcome, Not the Visit (10 min)

The habit to retrain — pricing by the visit. Drill it.

Lead with the goal, then the plan. "You said you want to run that 10K in October — here's the plan that gets you to the start line."
Frame value against insurance friction. No referral hunt, no visit caps, full one-on-one time with a doctor of physical therapy — not 15 minutes shared with three other patients.
Sell the package as the path to the result, not a discount bundle. The commitment *is* the treatment — sporadic visits don't restore function.
Use FSA/HSA dollars. These are pre-tax and built for exactly this care — naming them is advocacy, not a sales tactic.
Set outcome checkpoints. Reassess at week three; the patient sees progress, which is what sustains the commitment.

What to NEVER say in a cash-pay PT conversation (read these aloud, slowly):

"It's expensive, but..." (you made the price the headline instead of the outcome the patient wants)
"You could probably just do the exercises at home" (you talked the patient out of the plan of care they need)
"This package deal is only good today" (manufactured urgency on healthcare is unethical and breaks trust)
"Insurance is a rip-off anyway" (trashing the alternative is unprofessional; frame your value positively instead)
"I guarantee you'll be pain-free in six weeks" (you cannot guarantee a clinical outcome — promising one is false and a liability)
"It's up to you" (true, but as a shrug it abandons the patient at the decision instead of guiding it)

The APTA standard is plain: recommend the plan of care the evaluation justifies, frame its value honestly around the patient's outcome and access, and let an informed patient commit — never pressure, never oversell, never guarantee.

Section 4 — The Package-Commitment Conversation (10 min)

Run the money talk *after* the patient understands the plan and the outcome it serves. Use the verbatim script.

Verbatim Package-Commitment Script (clinician or front desk delivers these exact words):

Team: "Based on your evaluation, the plan to get you running that 10K pain-free is twelve sessions over six weeks. Let me walk you through how patients invest in this, because I want you focused on the finish line, not the math."
[Turn the screen so you both see it. Show the package value and what it includes.]
Team: "Our twelve-session plan of care is $1,560 — that's full one-on-one time with a doctor of physical therapy, no referrals, no visit caps, and reassessments built in. Per session that's less than a single drop-in."
[Pause. Let the patient picture the result. Do not fill the silence.]
Team: "You can use your FSA or HSA — those are pre-tax dollars made for this. We also offer monthly payments and CareCredit. Which works best for you?"
[Patient chooses a path. Confirm the package and the first sessions.]
Team: "Perfect. Let's lock in your first three sessions and your week-three reassessment now — I'll send the full plan in writing so you can see exactly how we get you to October."

Do NOT:

Lead with the per-visit rate before the outcome and the package value.
Manufacture urgency or guarantee a clinical result — both are unethical and a liability.
Let a patient leave without either a committed package or a smaller starter package and a scheduled follow-up.

Robert Cialdini calls a clear, honest commitment device *"consistency in service of the patient"* — when a patient commits to the full plan up front, they follow through, and the outcome they wanted is the one they reach.

Section 5 — The Plan-of-Care Commitment Cadence (15 min)

Build the clinic's conversion rhythm on a whiteboard. Most cash practices leave commitment to chance, one visit at a time — this makes it a system anchored to outcomes.

flowchart TD A[Evaluation Complete] --> B[Team Presents Plan of Care] B --> C{Patient Commits to Package?} C -->|No| D[Log Hesitation Reason] C -->|Yes| E[Book Package, Apply FSA HSA] D --> F{Reason Code} F -->|Cost| G[Offer Smaller Starter Package] F -->|Time| H[Show Outcome Timeline and Checkpoints] F -->|Will Self-Treat| I[Explain Why Sporadic Care Stalls] G --> J[48-Hour Follow-Up] H --> J I --> J E --> K[Week 3 Reassessment Confirms Progress] J --> K

The math (for a clinic doing 25 evaluations a month):

25 evals × 50% commit (current) = ~13 plans/month at $1,560 = ~$20,280
25 evals × 70% commit (target) = ~18 plans/month — 5 additional committed plans
5 plans × $1,560 package value = $7,800/month more, ~$93,600/year — patients completing the care that restores their function.
Committed-package patients complete ~85% of recommended visits versus ~45% for book-as-you-go — the commitment is what produces the outcome.

Cash-based-practice methodology is clear: the up-front package commitment is the single biggest driver of plan-of-care completion, and completion is what delivers the results that fuel referrals.

Common package objections (rehearse the comebacks):

*"My insurance might cover PT."* — "It might, with a referral, visit caps, and shared 15-minute sessions. Here you get full one-on-one time and no hoops. Let me show you what that's worth to your timeline."
*"That's a lot up front."* — "It is an investment in the outcome — that's why we take FSA/HSA pre-tax dollars and offer monthly payments. Per session it's less than one drop-in."
*"I'll just do the exercises at home."* — "Home exercises matter — they're part of the plan. But progressive loading and hands-on correction are what actually restore the function. Doing it alone usually stalls."
*"Can you guarantee I'll be better?"* — "I can't guarantee an outcome — no honest clinician can. What I promise is a reassessment at week three and a plan that adjusts to your progress."

Have every team member commit to a pre-conversation brief and an outcome-anchored package ask on every evaluation this week before they leave the room.

Section 6 — Commitments and Close (5 min)

Each attendee leaves with three written commitments, posted at the front desk:

I build a pre-conversation brief that anchors the plan of care to the patient's outcome in their own words.
I sell the outcome, not the visit — value framed against insurance friction, never price-first, never with guarantees.
I make a package commitment ask on every evaluation and log every "not yet" with a starter option and a 48-hour follow-up.

Close by reading the APTA principle aloud: *"Optimal outcomes come from completed plans of care. Our job is to help patients commit to the result they came for — clearly and ethically."*

Then pin the plan-of-care charter in the team channel and tape the package-commitment script at every front-desk station.

FAQ

Q1: Isn't selling packages in healthcare pushy? A: It's pushy when it uses urgency, guarantees, or fear. Anchoring a package to the patient's stated outcome, framing value honestly, and letting an informed patient choose is patient-centered care — the APTA ethics standards support helping patients complete the plan of care that produces results.

Q2: How do I justify cash prices against insurance? A: Frame the value, don't trash insurance. Cash-pay PT means no referral chase, no visit caps, and full one-on-one time with a doctor of physical therapy. Tie that directly to the patient's timeline and outcome — most patients value the access and speed.

Q3: Can I offer a discount for committing today? A: Avoid time-pressure discounts on healthcare — they manufacture urgency. A package can honestly cost less per session than drop-ins because it reflects a plan of care, but don't invent a "today only" deadline. Flex terms and FSA/HSA timing instead.

Q4: What if the patient insists they'll just self-treat at home? A: Respect it, and explain plainly that home exercise is part of the plan but progressive loading and hands-on correction are what restore function — sporadic self-treatment usually stalls. Offer a smaller starter package so they can feel the progress.

Q5: How do I handle "can you guarantee I'll get better?" A: Never guarantee a clinical outcome — it's false and a liability. Promise process: a week-three reassessment, a plan that adjusts to their progress, and honest communication. Patients trust honesty over promises.

Q6: How is this different from general healthcare case acceptance? A: Cash-pay PT centers on committing the patient to a full plan of care or visit package, framed against insurance friction rather than coverage. The motion is outcome-anchored package commitment, value-vs-insurance, FSA/HSA, and completion checkpoints — with no guarantees and no urgency.

Sources

American Physical Therapy Association (APTA), *Code of Ethics and Standards of Practice*, apta.org, 2024-2025.
Robert Cialdini, *Influence: The Psychology of Persuasion*, Harper Business, revised edition 2021.
American Physical Therapy Association, *Guide to Physical Therapist Practice and Patient-Centered Care*, apta.org, 2024.
Aaron LeBauer, *The Cash-Based Practice Methodology and Patient Commitment Resources*, 2023-2024.
Robert Cialdini, *Pre-Suasion: A Revolutionary Way to Influence and Persuade*, Simon & Schuster, 2016.
Jarod Carter, *Cash-Based Physical Therapy: A Practice Guide*, Carter Physiotherapy / WebPT resources, 2023.
CareCredit, *Patient Financing in Physical Therapy and Wellness Practices*, carecredit.com, 2024.
American Physical Therapy Association, *Private Practice Section: Cash-Pay and Out-of-Network Practice Guidance*, 2023-2024.

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Download:

### Direct Answer

> **Cash-Pay Physical Therapy Package Selling** is a 60-minute training for **cash-based PT and wellness clinic owners, front-desk leads, and treating clinicians** who present visit packages and plans of care to patients paying out of pocket — without the high-pressure feel that contradicts a healing relationship. It replaces the awkward "so, do you want to come back?" handoff with an outcome-first ritual: a pre-conversation brief built from the evaluation and the patient's functional goal, a value-vs-insurance presentation that frames cost around time, access, and results, a verbatim package-commitment script, and a structured follow-up for patients who need to think. Built on the **American Physical Therapy Association (APTA)** professional and ethical standards, established cash-based-practice methodology, and the ethical-influence principles of **Robert Cialdini's "Influence,"** this session teaches the team to anchor every recommendation to the patient's stated outcome, make the value of cash-pay PT plain and honest, and let an informed patient commit to the full plan of care — never to pressure or oversell.

---

## Section 1 — Why Plans of Care Fall Apart (5 min)

Open with the leak that defines cash-based PT. A patient pays out of pocket for a thorough one-on-one evaluation, gets a clinically sound plan of care — say twelve visits over six weeks — and then comes **three times and disappears**, never reaching the outcome they paid to chase. The clinic didn't lose on clinical quality. It lost because the **plan of care was never framed as a commitment to a result**, so the patient treated each visit as an optional expense to skip.

Set the frame on the whiteboard:

- **The broken plan of care:** Clinician says "let's get you on the schedule," patient books one visit at a time, drops off when the acute pain eases, never restores full function.
- **The repaired plan of care:** Team anchors the plan to the patient's functional goal, presents the value of cash-pay over insurance friction, and offers a package the patient commits to up front.
- **Commitment target:** convert **70%+ of evaluations** into a committed package or plan of care, and lift **plan-of-care completion** meaningfully.

End by reading the **APTA** ethics principle aloud: *"The physical therapist's primary obligation is the patient's functional outcome, achieved through the full plan of care."* The team's job is to help the patient commit to that outcome — honestly, never through pressure.

---

## Section 2 — The Pre-Conversation Brief (15 min)

The brief is a quick alignment the clinician and front desk build from the **evaluation and the patient's functional goal** *before* the package conversation. No brief, no ask. Have each team fill one out for a real patient now.

**Verbatim Pre-Conversation Brief Template (team completes from the evaluation):**

> 1. **Patient:** [Name] — [Diagnosis / functional limitation] — [Recommended plan: visits over weeks] — [Phase: acute / progressive / return-to-activity]
> 2. **The outcome, in the patient's words:** [e.g., "run my first 10K in October" or "pick up my toddler without my back going out"]
> 3. **Clinical why for the frequency:** [Why this cadence reaches that outcome — tissue healing, progressive loading]
> 4. **Value framing for this patient:** [Time saved vs. Insurance visits, one-on-one care, no referral hassle, FSA/HSA dollars]
> 5. **My pre-conversation hypothesis:** [Real hesitation — cost, time, or "I'll just do the exercises at home"]
> 6. **My ask:** A package or full plan of care committed today; FSA/HSA and financing ready; clear next step if the patient needs time.

Coach the **"outcome in the patient's words"** rule — cash-based-practice methodology and **APTA** patient-centered care both stress that patients commit to a *result they named*, not to a quantity of visits. If that line is blank, the team isn't ready to make the ask.

Show the bad example: *"It's $150 a visit, how many do you want to book?"* That's a transaction, not a plan of care. Replace it with the flow.

```mermaid
flowchart TD
    A[Clinician Completes Evaluation] --> B[Team Builds Pre-Conversation Brief]
    B --> C[Anchor Plan to Patient Functional Goal]
    C --> D{Outcome Stated in Patient Words?}
    D -->|No| E[Ask: What Do You Want to Get Back To?]
    D -->|Yes| F[Present Value vs Insurance, Then Package]
    E --> F
    F --> G{Patient Commits?}
    G -->|Yes| H[Book Package, Apply FSA HSA, Set Outcome Checkpoints]
    G -->|No| I[Log Reason, Offer Smaller Starter Package]
    I --> J[48-Hour Outcome-Focused Follow-Up]
```

---

## Section 3 — Selling the Outcome, Not the Visit (10 min)

The habit to retrain — pricing by the visit. Drill it.

- **Lead with the goal, then the plan.** "You said you want to run that 10K in October — here's the plan that gets you to the start line."
- **Frame value against insurance friction.** No referral hunt, no visit caps, full one-on-one time with a doctor of physical therapy — not 15 minutes shared with three other patients.
- **Sell the package as the path to the result**, not a discount bundle. The commitment *is* the treatment — sporadic visits don't restore function.
- **Use FSA/HSA dollars.** These are pre-tax and built for exactly this care — naming them is advocacy, not a sales tactic.
- **Set outcome checkpoints.** Reassess at week three; the patient sees progress, which is what sustains the commitment.

**What to NEVER say in a cash-pay PT conversation** (read these aloud, slowly):

- **"It's expensive, but..."** (you made the price the headline instead of the outcome the patient wants)
- **"You could probably just do the exercises at home"** (you talked the patient out of the plan of care they need)
- **"This package deal is only good today"** (manufactured urgency on healthcare is unethical and breaks trust)
- **"Insurance is a rip-off anyway"** (trashing the alternative is unprofessional; frame your value positively instead)
- **"I guarantee you'll be pain-free in six weeks"** (you cannot guarantee a clinical outcome — promising one is false and a liability)
- **"It's up to you"** (true, but as a shrug it abandons the patient at the decision instead of guiding it)

The **APTA** standard is plain: recommend the plan of care the evaluation justifies, frame its value honestly around the patient's outcome and access, and let an informed patient commit — never pressure, never oversell, never guarantee.

---

## Section 4 — The Package-Commitment Conversation (10 min)

Run the money talk *after* the patient understands the plan and the outcome it serves. Use the verbatim script.

**Verbatim Package-Commitment Script (clinician or front desk delivers these exact words):**

> **Team:** "Based on your evaluation, the plan to get you running that 10K pain-free is twelve sessions over six weeks. Let me walk you through how patients invest in this, because I want you focused on the finish line, not the math."
>
> **[Turn the screen so you both see it. Show the package value and what it includes.]**
>
> **Team:** "Our twelve-session plan of care is $1,560 — that's full one-on-one time with a doctor of physical therapy, no referrals, no visit caps, and reassessments built in. Per session that's less than a single drop-in."
>
> **[Pause. Let the patient picture the result. Do not fill the silence.]**
>
> **Team:** "You can use your FSA or HSA — those are pre-tax dollars made for this. We also offer monthly payments and CareCredit. Which works best for you?"
>
> **[Patient chooses a path. Confirm the package and the first sessions.]**
>
> **Team:** "Perfect. Let's lock in your first three sessions and your week-three reassessment now — I'll send the full plan in writing so you can see exactly how we get you to October."

**Do NOT:**

- Lead with the per-visit rate before the outcome and the package value.
- Manufacture urgency or guarantee a clinical result — both are unethical and a liability.
- Let a patient leave without either a committed package or a smaller starter package and a scheduled follow-up.

**Robert Cialdini** calls a clear, honest commitment device *"consistency in service of the patient"* — when a patient commits to the full plan up front, they follow through, and the outcome they wanted is the one they reach.

---

## Section 5 — The Plan-of-Care Commitment Cadence (15 min)

Build the clinic's conversion rhythm on a whiteboard. Most cash practices leave commitment to chance, one visit at a time — this makes it a system anchored to outcomes.

```mermaid
flowchart TD
    A[Evaluation Complete] --> B[Team Presents Plan of Care]
    B --> C{Patient Commits to Package?}
    C -->|No| D[Log Hesitation Reason]
    C -->|Yes| E[Book Package, Apply FSA HSA]
    D --> F{Reason Code}
    F -->|Cost| G[Offer Smaller Starter Package]
    F -->|Time| H[Show Outcome Timeline and Checkpoints]
    F -->|Will Self-Treat| I[Explain Why Sporadic Care Stalls]
    G --> J[48-Hour Follow-Up]
    H --> J
    I --> J
    E --> K[Week 3 Reassessment Confirms Progress]
    J --> K
```

**The math** (for a clinic doing 25 evaluations a month):

- 25 evals × **50% commit (current)** = ~13 plans/month at $1,560 = ~$20,280
- 25 evals × **70% commit (target)** = ~18 plans/month — **5 additional committed plans**
- 5 plans × **$1,560 package value** = **$7,800/month** more, ~**$93,600/year** — patients completing the care that restores their function.
- Committed-package patients complete ~**85%** of recommended visits versus ~**45%** for book-as-you-go — the commitment is what produces the outcome.

Cash-based-practice methodology is clear: the up-front package commitment is the single biggest driver of plan-of-care completion, and completion is what delivers the results that fuel referrals.

**Common package objections** (rehearse the comebacks):

- *"My insurance might cover PT."* — "It might, with a referral, visit caps, and shared 15-minute sessions. Here you get full one-on-one time and no hoops. Let me show you what that's worth to your timeline."
- *"That's a lot up front."* — "It is an investment in the outcome — that's why we take FSA/HSA pre-tax dollars and offer monthly payments. Per session it's less than one drop-in."
- *"I'll just do the exercises at home."* — "Home exercises matter — they're part of the plan. But progressive loading and hands-on correction are what actually restore the function. Doing it alone usually stalls."
- *"Can you guarantee I'll be better?"* — "I can't guarantee an outcome — no honest clinician can. What I promise is a reassessment at week three and a plan that adjusts to your progress."

Have every team member commit to **a pre-conversation brief and an outcome-anchored package ask on every evaluation this week** before they leave the room.

---

## Section 6 — Commitments and Close (5 min)

Each attendee leaves with three written commitments, posted at the front desk:

- **I build a pre-conversation brief** that anchors the plan of care to the patient's outcome in their own words.
- **I sell the outcome, not the visit** — value framed against insurance friction, never price-first, never with guarantees.
- **I make a package commitment ask** on every evaluation and log every "not yet" with a starter option and a 48-hour follow-up.

Close by reading the **APTA** principle aloud: *"Optimal outcomes come from completed plans of care. Our job is to help patients commit to the result they came for — clearly and ethically."*

Then pin the plan-of-care charter in the team channel and tape the package-commitment script at every front-desk station.

---

## FAQ

**Q1: Isn't selling packages in healthcare pushy?**
A: It's pushy when it uses urgency, guarantees, or fear. Anchoring a package to the patient's stated outcome, framing value honestly, and letting an informed patient choose is patient-centered care — the **APTA** ethics standards support helping patients complete the plan of care that produces results.

**Q2: How do I justify cash prices against insurance?**
A: Frame the value, don't trash insurance. Cash-pay PT means no referral chase, no visit caps, and full one-on-one time with a doctor of physical therapy. Tie that directly to the patient's timeline and outcome — most patients value the access and speed.

**Q3: Can I offer a discount for committing today?**
A: Avoid time-pressure discounts on healthcare — they manufacture urgency. A package can honestly cost less per session than drop-ins because it reflects a plan of care, but don't invent a "today only" deadline. Flex terms and FSA/HSA timing instead.

**Q4: What if the patient insists they'll just self-treat at home?**
A: Respect it, and explain plainly that home exercise is part of the plan but progressive loading and hands-on correction are what restore function — sporadic self-treatment usually stalls. Offer a smaller starter package so they can feel the progress.

**Q5: How do I handle "can you guarantee I'll get better?"**
A: Never guarantee a clinical outcome — it's false and a liability. Promise process: a week-three reassessment, a plan that adjusts to their progress, and honest communication. Patients trust honesty over promises.

**Q6: How is this different from general healthcare case acceptance?**
A: Cash-pay PT centers on committing the patient to a full plan of care or visit package, framed against insurance friction rather than coverage. The motion is outcome-anchored package commitment, value-vs-insurance, FSA/HSA, and completion checkpoints — with no guarantees and no urgency.

---

## Sources

1. American Physical Therapy Association (APTA), *Code of Ethics and Standards of Practice*, apta.org, 2024-2025.
2. Robert Cialdini, *Influence: The Psychology of Persuasion*, Harper Business, revised edition 2021.
3. American Physical Therapy Association, *Guide to Physical Therapist Practice and Patient-Centered Care*, apta.org, 2024.
4. Aaron LeBauer, *The Cash-Based Practice Methodology and Patient Commitment Resources*, 2023-2024.
5. Robert Cialdini, *Pre-Suasion: A Revolutionary Way to Influence and Persuade*, Simon & Schuster, 2016.
6. Jarod Carter, *Cash-Based Physical Therapy: A Practice Guide*, Carter Physiotherapy / WebPT resources, 2023.
7. CareCredit, *Patient Financing in Physical Therapy and Wellness Practices*, carecredit.com, 2024.
8. American Physical Therapy Association, *Private Practice Section: Cash-Pay and Out-of-Network Practice Guidance*, 2023-2024.

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