Cash PT: the visit is the invoice
In a cash practice the billing system is the front desk. The visit is booked, the note is signed, the card is charged, and the patient leaves with a zero balance or a statement. No units need to be defensible because nobody is paying by the unit.
That path works today: per-visit card payment, patient balances and statements, priced off your own fee schedule. Patients who want to claim out of network need a superbill, and that one document is the exception: it is built from the visit data already, but the printable version waits on the AMA CPT licence we have not signed.
Hybrid PT: unit lines your biller can audit
Insurance visits produce a charge line instead of a receipt: the code booked for the visit, units, place of service, diagnosis pointers and the rendering provider’s NPI, exported as CSV for whoever submits.
Units are the delivered minutes on the visit divided by that payer’s unit length, rounded the way you set that payer up: down to whole units by default, or to the nearest unit. Each visit carries one code. That is honest arithmetic for a single-code visit, but it is not Medicare’s 8-minute rule, which pools minutes across every timed code on the date before allocating units. A visit split across therapeutic exercise, manual therapy and gait training needs your biller to allocate the units; the 8-minute rule calculator gives them the Medicare and rule-of-eights answers side by side.
The Medicare work this does not take on
Three things decide whether an in-network Medicare PT claim pays, and none of them happens here.
- The KX threshold. For 2026 it is $2,480 of PT and speech services combined per patient. Lines beyond it need the KX modifier and documented medical necessity. The software does not total a patient’s yearly spend.
- Plan-of-care certification. The plan has to be certified by a physician or other qualified practitioner and recertified at least every 90 days. Plans of care and visit attendance are tracked here; certification dates and the 90-day clock are not.
- Submission. Claims are not transmitted to payers. Discipline modifiers such as GP are not added automatically either: modifiers come only from payer settings for credential tier and telehealth.
A clinic whose revenue is mostly in-network Medicare needs a platform built for that work. The arithmetic behind the units is in the 8-minute rule; what a self-submitting patient’s document must carry is in the superbill template.
Common questions
Does it apply the 8-minute rule automatically?
Does it warn when a Medicare patient nears the KX threshold?
Can we collect the patient's share at the front desk?
What exactly is in the file our biller gets?
Price a made-up visit and read its export row
Load your fee schedule, close a visit for a made-up patient, post a payment against it, then open the export line a biller would receive. Real patients belong in it only after a business associate agreement is signed.