I chose Athletico which was out-of-network with my insurance because it was very close to my home. Fee option #1 - $120 self-pay. Fee option #2 File with insurance. The fee would be max $150 but all payments would go toward my deductible. If I self-paid upfront, none of the payments would go toward my deductible. When I said I'd so self-pay, knowing upfront exactly what the fee would be, I was told, "But for $30 more, all payments will count toward your deductible." It took awhile for the insurance to process the therapy billing. The first 2 out of 5 sessions are being billed at $255 and $205 respectively! When I changed to another physical therapy company I said upfront I will only do self pay (which their rates are $95 per session). They convinced my to let them check with my insurance company to verify if billed through my insurance company what the rate would be so the payments could go towards my deductible. I let them check with the insurance company. The new PT company said upfront, "Filing through your insurance company would be a much higher price than self-pay." A little bit of honesty by Athletico would have saved my a whole lot of money. Instead of paying $150 per session (times 5 is $750) I'll be paying over $1000. Still don't know final cost because the 3 remaining sessions still haven't been billed as yet. I can't imagine that I'm the first person who filed out-out-network insurance and whose rate per session is significantly higher that the quoted "max $150". It was certainly to Athletico's gain to have encouraged me to file with insurance because I'm paying at least $80 above their self-pay rate. Thank goodness I found another PT company that was honest upfront.